BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have an extensive timeline of records. I've tried to reach out, well in advance, to Navient about my IN SCHOOL status and my inability to repay while I'm in school. Prior to my loans becoming due, I contact them by email and by phone. I told them about my IN SCHOOL status and that I should be completing my XXXX at XXXX sometime towards the end of 2020. Worst case, I told them I could pay like {$170.00} a month or less. Just something to pay towards the Private Loans to show good intent. To date, I keep getting refusals to help when I call. However, days later I get emails from Navient employees saying they can help me. When I call, they refuse to help me. It's slightly abusive. Moreover, It's absolutely idiotic. Why a company wouldn't try to help someone earn more money so they can repay their debts is outrageous. I've filed complaints to the XXXX. I've filed complaints here. I'm also seeking at Attorney shortly. Even though I've voluntarily paid small amounts per month from XX/XX/2020 forward, they still reported my Private Loans as delinquent to the credit bureaus. I was told specifically by Navient employees this would not happen. I'm angry and fed up with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Michael & Associates, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified XXXX XXXX and have sent over all the necessary paperwork, I am also asking Michael & Associates , PC to do the same as stated on the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.

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 2022-03-17
Company: EQUIFAX, INC.
State: AL
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:
Please be advised this is my second written request. I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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 just reviewed my most recent credit report and noticed accounts that i think i from my identity theft case.

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 2022-03-17
Company: Experian Information Solutions 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:
I did not authorize for any information on my Credit profile to be shared. the following account is invalid XXXX  XXXX XXXX  ACCOUNT 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 2023-11-04
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen 10 years ago, I have no knowledge of these accounts. This has been on my report past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize for any information on my Credit profile to be shared. the following account is invalid XXXX XXXX XXXX  ACCOUNT NUMBER: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 2022-03-17
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:
I did not authorize for any information on my Credit profile to be shared. the following account is invalid XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: MONEY SOURCE, INC., THE
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I purchased a home using my VA home loan certificate. As of XX/XX/XXXX I am property tax exempt Due to receiving the XXXX Veterans ' Standard Homestead Exemption and based on my XXXX rating. But the way XXXX XXXX did the closing paperwork and cost, I have to pay the taxes owed for XX/XX/XXXX-XX/XX/XXXX. Now as of XX/XX/XXXX The money Source ( TMS ) received the full tax bill for the 8 months owed and paid out the full amount, so I owe {$0.00} and they have this on their records and the tax exemption document from the county. Now they tell me they have to do an Escrow analyst and that can take 60-90 days ( 2-3 MONTHS! ) and its scheduled to be complete on XX/XX/XXXX. So I have to pay over {$500.00} a month in property taxes ( That I dont owe ) until XX/XX/XXXX ( which means XX/XX/XXXX will be the first month with new monthly payment ) then they will cut me a check for any amount over {$50.00} in my escrow that isnt owed. Why are they legally able to keep collecting a large amount that I do not owe and they have everything required to adjust the payment accordingly? It seems as they are holding/collect longer than they should be. 


Loan # XXXX Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SUN LOAN COMPANY INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They repeatedly call me at work on a daily basis. I have advised them to stop. I have told them they do not have permission to be contacting my at my place of employment. They flat out told me that they are not listening to my demand for them to stop contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Capital Management Services, LP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a collection notice in the mail from a Capital Management Services claiming I owed a debt. The debt is unfiiar to me. I followed the dispute process and mailed a written letter of dispute asking for verification or judgement that the debt is valid. After 30 days I have not heard back from them, so I assumed that the debt was found to be invalid. Suddenly, without verification of the debt, I started receiving phone calls about the debt. 2 of my family members received calls from the same company trying to get information about me and my address, but this is illegal because they 1 ) already have my information in full and 2 ) have not provided written verification that the debit is valid. When I called to discuss this nefarious activity, XXXX the supervisor at capital management services claims that they never received my letter.. OF COURSE THEY WONT ADMIT ITS IN DISPUTE. 

But suddenly now it is in dispute and they promise not to call without verification of the debt in my hands. 

Capital Management Services knows their behavior is illegal.

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 2021-04-23
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
Capital one charges a late fee the day before its do, saying some XXXX about eastern standard time I live in XXXX  Complete fraud. 

The ceo was just found guilty by the XXXX  XX/XX/2021 Insider trading fraud!!!!!! 

My payment is do on the XXXX The late fee was charged on the XXXX th By right it would be charged on the XXXX th Technically that is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: General Motors Financial Company, Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
GM Financial hold payoffs for a few days after receiving them and then finds reason to send back the payoffs to other companies that customers have refinanced with so that they can have more interest income. They are stealing from their customers and it is unethical and they need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}.

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 explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
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
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXXXXXX Balance XXXX {$130.00XXXX XXXX XXXX Balance : {$0.00}.

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 explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/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 2020-03-10
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making overpayments on my Navient student loans, and as a result, I am overpaid by several months. However, Navient is saying that I'm currently behind on my payments by XXXX {$500.00}. 

I called customer service on XX/XX/XXXX to see what was going on, but they were of no help. I had to correct the rep many times because he did not accurately read my account and often mistook my account for another one. The customer rep was also providing the wrong information on the payments that I was making and what my actual monthly payment amount was. 

I asked the rep why I was delinquent, given that I made extra payments on all of my loans, and he couldn't give me an answer, but he said that he " escalated it '' and that someone will get back to me. No one ever got back to me, I've reached out to Navient two more times to no avail. 

Furthermore, Navient has increased my monthly payments from XXXX  {$230.00} to XXXX without any information or prior notice. They have done this to show that I was not making any overpayments in my account. This change was reflected in my account after I called Navient on XX/XX/XXXX to question why my account was delinquent. 

Navient has also proceeded to change my graduation date from XX/XX/XXXX to XX/XX/XXXX and have added on capitalized interest to my loans. They have added on three more months of capitalized interest to my loans by falsely claiming that I graduated three months earlier than I did. 

Currently, Navient is emailing me to make payments on my overdue account ; I will be reported to consumer reporting agencies otherwise. They have already reported me once since our last conversation. 

I am overpaid by several months and, yet, I was still reported because of my " delinquent account '' and my credit score took a hit due to Navient 's dishonest and predatory behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: TX
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:
I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation