BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a private loan with Navient that was formerly XXXX XXXX. I started paying in 2006 and I have never defaulted or been late on a payment. I have been on forbearance a couple of times. After making many, many payments my original total {$10000.00} the balance has gone down less than {$200.00} on the XXXX loans I have with them. 
In the beginning of my loan they added on " capitalized interest '' in varying amounts from $ XXXX- {$1200.00}. They added that to my balance so they effectively have been charging me interest on top of interest. My interest rates are 7.5 % on XXXX of the loans and 9.5. % on the XXXX. 
I think the way they applied my payments, guaranteed that my principal balance would never go down. In fact, if I came close, my payment due adjusted to a slightly smaller amount. 
I am frustrated and have been discouraged that after paying thousands of dollars on this {$10000.00} the balance has only gone down {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-31
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is my XXXX day ... Went to TD Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work ..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. My loan number is XXXX for the property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX The last four numbers of my social security number is XXXX. My home address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX, My phone number is ( XXXX ) XXXX My email address is XXXX On XX/XX/19 I wrote a check to Fay Servicing, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX my mortgage servicing company for {$19000.00}. This payment covered 2 mortgages with an extra {$100000.00} for principal. The {$10000.00} was clearly marked for principal on the payment slip. This check was check XXXX. 

Fay servicing made an error and applied the whole amount to payment. They said I do not have to make another payment until XXXX.. I told them I want the {$10000.00} applied to principal, as originally requested XXXX said that they would correct the account. XXXX advised me to throw out the current statement and wait for a new corrected statement in the mail. I did not get a new statement until the end of XXXX. This statement has a late charge on it of {$24000.00} I do not believe I should have to pay this late charge. I was unable to pay the XXXX mortgage payment on time as Fay Servicing had not yet corrected their records and were stating that the mortgage was paid up till XXXX. At no time during my conversations with Fay Servicing was I advised that I should make another mortgage payment in order to avoid a late fee, I believe Fay Servicing should either waive the late fee or pay it to the lender themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to XXXX XXXX XXXX who is now harassing me for payment. XXXX requested the CRAs delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my 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 2018-08-20
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2018, there was a charge from a merchant by the name of XXXX in the amount of XXXX charge to my card, that Citibank allowing. I have tried to talk to Citibank and let them know the charge was fraud and not to stop the recurring monthly charges. But talking to Citibank wouldn't help. So I decided to file a compliant. I had to cancel out my card XXXX times due to this. And Citibank is still allowing it to happen. I have asked Citibank to stop the transaction, but they will reversed it. and it appear on my statement. Another charge showed up for the month of XXXX. Citibank is not listening at all about what I have to say so I have filed a compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX 2016 I began Disputing Items with TransUnion on my credit report, 1 Specific irem from XXXX XXXX XXXX XXXX XXXX late payment. After numerous attempts sending certified letter, and phone calls ; Transunion continues to validate this entry. I took m matter into my own hands and sent a certified letter to XXXX at the address that Transunion provided on the credit report sent with the results of their investigation. This letter was returned to me by the USPS undeliverable, I even tried to call by the phone number provided, that was and still is a non working number. I have uploaded documents supporting my claim.

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 2022-11-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the last week of XXXX I contacted LVNV FUNDING LLC about the amount they are trying collect is the wrong amount and that they are actually charging me double of what the debt originally was. I was told someone would contact me about the situation but no one ever contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: FL
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
FCRA Section 604 Permissible Purpose FCRA Section 609 Disclosures to consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX I filed chapter XXXX bankruptcy and XXXX wireless was XXXX of the creditors included on the bankruptcy. XX/XX/XXXX XXXX wireless sold the debt to XXXX and they have continued to sell the debt to different people the last five years and harassed me on my credit report to the point where I can not purchase a home. I have disputed this report several times with XXXX fax, experience, and Trans Union. I am a XXXX veteran who is seeking to use their VA home loan. I need a certain credit score and this creditor that was included on the Chapter XXXX bankruptcy in XX/XX/XXXX continues to report negative information to all three credit bureaus regarding this account in my name. the 's preventing me from securing a mortgage. Several attempts have been made to fax mail and send information such as my discharge of debtor and the actual schedule E which shows XXXX wireless as a creditor on my Chapter XXXX bankruptcy. However no one that I 've spoken to up to this moment has taken any action to remove this on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$630.00}. 
XXXX XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Clarity Services
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
hi i have XXXX accounts that need to be removed on my transunion report i have the marked with a x they are from XXXX XXXX XXXX they should be removed due to they are closed accounts and i do not have anything to do with them i have asked the transunion to remove them and they have refused to do so, so i am putting in this complante to have the remove this from my report transunion report number XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from 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 Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Pacific Union Financial, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in concern to a mortgage we were approved for but has yet to close. We applied for a Mortgage back in XXXX 2015. We were approved sent in all our financial information, had our appraisal, foundation inspection, final approval and had to have a rent survey of our area. We prepaid for all of our inspections as they requested. Our seller did all his part and our closing dates have been changed as they requested the same information over and over again. Now they have let the appraisal expired and are asking it be redone again and start over. How are they allowed to do it? They have delayed several times and sent SAME docs OVER AND OVER AGAIN WITH THE SAME INFORMATION JUST CHANGED THE DATES.to be signed with same information several times. We have had dates to closed promised, and always delayed with XXXX excuse or another. ALSO THEY TOLD US IN A EMAIL NOTHING WOULD EXPIRED IT WOULD JUST BE UPDATED IN NEW DOCUMENTS .. THIS IS XXXX ALREADY AND STILL NO CLOSING. Why are they allowed to do this to a home buyer who is committed and has done everything they have asked. Buying a home is a huge investment in your future. It has taken a toll on our health with the stress, and on the lenders side no consideration for the home buyer who has done all they have asked for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
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:
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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have submitted several disputes and letters to Transunion regarding inaccurate information they are reporting on my credit file for XXXX and XXXX XXXX XXXX Credit Card. I have sent them proof from my bank showing timely payment being made on both accounts going back to 2015 yet they have n't responded to any of my letters. The inaccurate information has caused my credit score to drop and I want it removed ASAP!

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 2019-10-10
Company: Experian Information Solutions Inc.
State: TN
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 contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
INQUIRIES TOO : XXXX, XXXX IN, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, 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