BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy Case # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXXXXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

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 2021-09-03
Company: OneMain Finance Corporation
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Throughout the years One Main Financial has been deceptive and misleading regarding a personal loan that I took out. They have predatory unethical lending tactics encouraging the account to go past due before a reduced payment can be set. This causes unnecessary late fees, high interest and the result of creating a new loan agreement. Anytime that my loan had been modified they created a new account and credit line. They also promise to clean up derogatory remarks which they also lied about. I submitted a credit bureau dispute advising duplicate history accounts that needed to be remove. My current balance of fees is {$3400.00} showing the loan balance as {$11000.00}. However, I never took out a loan for this amount. After being laid off in XXXX I utilized my layoff protection insurance which they only paid for 3 or 4 months. This is a upsell service they highly recommend for all loans but is deceptive. I was briefly a partime seasonal postal carrier for one month and it did not work out. One Main Financial kicked me off of the unemployment benefits although my unemployment benefits through the State of Colorado was reestablish right away. I had limited income to pay all of my bills which One Main Financial took advantage of. I also took a significant paycut once I found a fulltime employer. I requested numerous times to adjust my due date due to my pay period which they refused. It became a standing joke to them as " the due date '' which I did not find funny, lacked empathy and was unprofessional. I transitioned to my current employer in XXXX of XXXX in significant past due debt. Keep in mind that every time I was given a reduced payment the new amount increased astronomically unaffordable. I have misplaced my notebook and wanted to submit my complaint on record. But around the fall of XXXX a woman who identified as a supervisor reached out offering an affordable payment. She empathized that my account would be cleaned up and would get my account back on track. I also questioned why my balance was drastically higher. Which I was informed that rest assured all would be resolved and I was coerced to reply to an payment agreement sent by email otherwise subtle threats to pursue legal action. I have been paying diligently however I am disputing the balance remaining on this loan. I requested past statement history indicating the original loan amount but was sent to me was internal data. It doesn't even display an principle balance and fee section separate since it all has been combined together. I truly feel what is left over are significant penalty interest charges and late fees that they encouraged me to not pay and was the " only way I could get assistance ''. Please close out this account as satisfied and provide a paid in full satisfaction letter for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2018-05-09
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had 4 loans and after making payments I paid one off in full. There are 3 left and Navient service of these makes it difficult to repay. For starters everytime I try to make a payment there automated system hangs up on me and it takes 45 - 1hr trying to reach an actual person. I should not have to beg them to take my  payment? Secondly I feel they illegally cheat borrowers out of repayment rights through shortcuts and deception. I have been provided bad information, they have been processing payments incorrectly, and failing to act when I complain. Im a struggling borrower who has been cheated out of rights to lower repayments, which caused me to pay much more than they had to for their loans. Navient repeatedly misapplies or misallocates payments. Navient steers many into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Navients emails and annual renewal notice sent failed to adequately inform them of critical deadlines or the consequences if they failed to act. Navient also obscured renewal notices in emails sent that did not adequately alert them about the need to renew. Severely and permanently XXXX  borrowers have a right to seek loan forgiveness under the federal Total and Permanent Disability discharge program. I have been almost XXXX by being XXXX and the school has not taken this into account. Navient has been in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i am the co signer on the car i have been trying to get in contact with owner ..can not find her she changed number and addressed. spoke to car loan people they won't work with me .credit acceptance said that i would have to speak to other owner. i asked if i can do a separated payment where i can get this car off my name i was told no they need full payments ... i still don't have a driver license.. this is bring down my credit daily. i don't see how we even got the car loan with our income

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 2022-08-15
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. 
I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Account Resolution Services. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: PA
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 knew something was wrong with my repayments when I saw that I am being asked to pay {$0.00} per month for the next 14 months ( I have an income and should be paying more than that ). I requested the company tell me what reported income they are basing my monthly payment calculations on on XX/XX/23. The automatic reply was that they would respond within 2 business days. I have not gotten a response yet, it has now been 7 business days. In the meantime I resubmitted my income verification in case that was the problem. A few days ago, my account was suddenly placed into administrative forbearance without explanation. Interest is accruing daily although I am supposed to be enrolled in the SAVE plan and apparently have no payments due. I have been on hold for 40 minutes so far to try to get an explanation. It is unclear if any of this will negatively affect my credit score. I have income available to make required payments, but customer service is inadequate to allow me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Terrill Outsourcing Group
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past ~XXXX years, I have regularly received phone calls from various different debt collection agencies, all of whom are searching for a person I have never met. I assume this person is the previous owner of my phone number. 

I have, on numerous occasions, requested that the agencies do not call me again, and this will work, but then a different agency will just call me instead. Most recently, I received a call from Superlative RM on XX/XX/XXXX, at around XXXX XXXX. 

It is my understanding that the debt collectors are legally not allowed to discuss the debt, including the identity of the loaner, with anyone except the actual debtor, so it has been impossible for me to identify the actual bank or company that is trying to collect the debt without impersonating the woman who previously owned my number ( since the caller will just hang up on me as soon as I admit to being someone else ). 

Because the phone calls are often from different numbers ( aka, a different collection agency ), it is not possible for me to just block the numbers. And because I use my phone for other purposes ( such as interviews ), it is not possible for me to just ignore unknown numbers either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was billed three times for a service, XXXX, and submitted to TD Bank a request to have two of the charges removed from my account. In violation of XXXX XXXX rules and the XXXX XXXX XXXX, the bank decided to credit all three charges to the merchant, and not refund my money. In the process some {$580.00} in bank fees were accumulated and my account was closed as overdrawn at {$380.00}. All of this is entirely due to the revocation of credits I am legally due regarding XXXX 's overcharging my account. A month after my account was closed, XXXX cancelled my account and has now retained, in violation of XXXX XXXX rules and the XXXX XXXX XXXX, all three charges for services never performed. XXXX XXXX XXXX is a collection agency hired by TD Bank to get money out of me that is not owed legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with a collection and inquiries I did not authorize

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 2022-07-08
Company: Bread Financial Holdings, Inc.
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Comenity bank card system is down. Credit card is being declined, no customer service, they will not answer phone. Fraudulent charges are appearing online. This has been going on for over a week, with no one to talk for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX. 

Did not try to open this card. Want to report fraud.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the XXXX XXXX XXXX, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, My Date of Birth is : XXXX My employer is : XXXX XXXX XXXX My Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is reporting CLOSED and PAID INSTALLMENT LOAN with collection remarks. This was never a collection. 

Date Updated XX/XX/XXXX Payment Received {$290.00} High Balance {$10000.00} Pay Status >Account Paid in Full was a Collection< Terms {$0.00} per month, paid Monthly for XXXX months Date Closed XX/XX/XXXX Remarks SETTLED-LESS THAN FULL BLNC ; PAID COLLECTION Also please remove all non-account holding inquires over XXXX DAYS old. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this. 
XXXX from XXXX XXXX XXXX XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Delete this.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are Accounts and inquires on my credit report that do not belong to me. I need these items deleted from my file. The inquiries that do not belong to me are, XXXX, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another XXXX XXXX XXXX The fraudulent accounts that I need deleted are XXXX  ( i looked this place up and i can not even fit anything in this store ), XXXX, XXXX and XXXX XXXX XXXX There are also multiple student loan account and all reporting late payments when I only have 1 student loan and I have never ever been late on any payments in my life. Also with the new laws and thing going on with the covid and hardships the student loans are not suppose to negatively affect credit reports. I have enclosed. I did not make these charges and I ask that these items be deleted as soon as possible to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission, and I have included copies of my Federal Trade Commission Identity Theft Affidavit. Please delete these items and correct my file as I am trying to purchase my house, I have been living in for the past 15 years The only thing stopping me is the inaccurate accounts and inquires listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: MOHELA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I submitted an application for XXXX and was estimated on the application to be paying {$460.00}, which was my payment amount previously but my loans were removed from that and switched to XXXX according to MOHELA 's website. based on mine and my husband 's Adjusted Gross Income of $ XXXX is accurate. On XX/XX/XXXX I got a notice from MOHELA stating I was approved for XXXX in the amount of {$1100.00}. This amount is nowhere near the estimate and is not accurate based on my income. I was also laid off at the end of XX/XX/2023 and without a job until XX/XX/2023. I also had to take a $ XXXX pay-cut. My payment should be 10 % of my discretionary income. I called MOHELA and spent two hours on hold just to be told they needed to transfer me. After another 45 minutes where the representative didn't even check back with me once, I ended the call with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Payments were not applied correctly causing hardship and affecting credit. Loan modification offered contains {$24000.00} forbearance for being 1 month late. Requested to cancel loan modification that starts to avoid {$24000.00} forbearance for no reason. After misapplied payments, current due for the month on XX/XX/2023, which i am not allow to pay since loan modification still under consideration. Need help getting this mess taken care of and all the hardship it has caused. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX 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 response to consumer: Closed with explanation