BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient calls me and my cosigner atleast 8-10 per day. Since I stopped making my payments because they went from around {$360.00} to {$900.00} they have been callin gme non stop- suddenly I am also getting random calls from weird telemarketers. I noticed a correlation to an increase in calls form Navient when ever I answer one of these telemarketer calls right after, like immediately after. Its like Navient knows I answered so they will call. I have asked some of the telemarketers flat out if they are associated with Navient and they stall and say they have never heard of that company- American- english speaking costumer service reps! This morning I got a call from a FL ( where I reside ) - Navient has been calling from PA and suddenly I answered a telemarketer call last night from a FL # and now Navient is calling with a FL area code. I asked the Navient rep if he was in FL- he stated he was not- I asked him if Navient is now spoofing # 's and he said Navient has offices ' all over the world- I asked if they had an office in FL- he said he did not know. 

Aside from this I have communicated to Navient numerous times that I can not afford my monthly payment. They will then send me letters in the email saying they understand and I should call in so they can help me. I call in and they are no help- they do not lower my monthly payment. I provide my income and expenses and nothing! They do not take into consideration that I am also paying on my fed loans- havent had a raise in 3 years and made less $ this year. I shared all this with the agent who began to ask me about my career decisions- why havent I looked for a better job ( I have ), why havent I taken on another job- I would need 3 more to pay them the money they want- because I made mistakes when I was young and come from an XXXX mother that did not know any better. The agent explained even though I was on a low payment plan before it must keep increasing because the goal of the lower payment plans is to work you up to your full high payment- whihc I just canno do. They {$360.00} I was paying monthly was basically money thrown away - has not made a dent with my interest rates. I told them I can not pay what I do not have- they keep repeating they are helping me by giving me a low payment- and I keep telling them its not a lower payment if I can not afford it and it is an increase from the originally lowered payment I was alreay struggling to make. Everytime I get off the phone with them I am in tears. What did I go to college for? They harrass me day in and day out!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information on these accounts : 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 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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

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 2022-01-10
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with XXXX and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. 

I dont want them contacting me again the debts are not mine and not theirs to collect on. 
This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Personal information incorrect

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-14
Company: EQUIFAX, INC.
State: NY
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:
Hello, I recently reviewed my consumer reports and found that consumer reporting agencies are inaccurately publishing late payment ( s ) on my consumer report for XXXX Account XXXX XXXX. There are a few inaccuracies in reporting this account. I have attached a document showing inaccuracies. I would appreciate a proper investigation on this account then update the payment history showing all payments are made on time as I NEVER paid this or any other accounts late. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank Of American employees asked for documentation that was not needed and placed their name on my insurance Policy before the loan was processed and closed. They asked for proof of every Bank Account I owned, all Stock I owned and copies of all property ( Houses ) I own and the submit it with 3 days. My home has over XXXX Dollars worth of equity in it to secure a {$50.00}. Loan. I have Good Credit. I did apply to buy a New Home and they were informed by my Insurance Company XXXX I own other property and assumed I wanted to buy a new house. My letter of intent stated to pay off 2 high interest credit cards with BOA and Home improvements. I could have lost my entire estate for their actions. They did not have the right to place their name on my Insurance Policy or request information on other property to attach their names to Insure the Loan. This is Discrimination in the worst form to Steal from a XXXX XXXX. I was told they needed this information to prove I was not hiding money. I have copies and Names of the employees involved in the plot to steal my Estate from me. My children could have lost my entire Estate and BOA would have taken my Estate or received Insurance money if I died or defaulted on the Loan.

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 2022-08-08
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
In XX/XX/XXXX I paid the lease residual payment of {$15000.00} to Hyundai Motor Finance for a XXXX XXXX XXXX they sent a title to me that was received in XX/XX/XXXX it was the original XXXX title that was issued to Hyundai went to motor vehicle to find out that there was another title issued to them on XX/XX/XXXX from the New york DMV and have been constantly in touch with them trying to get the paperwork I need to title the vehicle that has already been paid for it has taken numerous calls to get nowhere with Hyundai finance I have reached out to them and spoke to their customer service for the last 3 months everything is recorded and documented and I don't understand how they do not get in touch or give you the proper paperwork after a full payment has been made on the vehicle my last call was XX/XX/XXXX which I was told that it could take up to 5 to 10 business days again to find out what is going on unfortunately Hyundai Motor Finance has a closed system to email each other and has no other alternative to talk to the title department after they collect your money I would like to make that complaint against them thank you for your help in advance

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 2023-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Company will not provide contract and is past 45 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 explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TN
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:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may concern, THIS IS THE SECOND COMPANY TRYING TO COLLECT ON A FRAUDULENT ACCOUNT i WILL BE ATTACHING THE FTC REPORT AND POLICE REPORT. THIS IS THE LAST TIME I WILL ADDRESS THIS ISSUE. IF DIVERSIFIED ADJUSTMENT SERVICES ATTEMPTS TO SELL, TRANSFER, OR OUT SOURCE THIS ACC # XXXX BAL {$4400.00} I WILL FILE A LAW SUIT AND SUE THEM. PLEASE DELETE THIS ACCOUNT AND REMOVE IT FROM YOUR DATABASE. XXXX WAS JUST TRYING TO COLLECT ON THIS ACCOUNT AND WAS ALSO INFORMED THAT IT IS A FRAUDULENT ACCOUNT WHY IT WAS TRANSFERRED TO DIVERSIFIED ADJUSTMENT SERVICES IS MINDBOGGLINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: NV
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:
reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent out a letter on XX/XX/2021, requested that the XXXX XXXX XXXX account on my Experian credit report be deleted and not updated. This account was reporting late payments and is still reporting late payments, and the account is closed. This is a violation, and I'm asking for this account to be deleted, NOT updated.

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 2019-04-27
Company: Experian Information Solutions 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:
I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( Experian, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( Experian, XXXX and XXXX ). Everyone except Experian has removed both of these collections so I am not sure why Experian is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and Experian is not doing their job.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 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 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 XXXX 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