BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Directed to obtain Deferments or Forbearances causing the interest attached to the original loan to be almost as much as the original principal. 
Original Loan Amount : {$50000.00} Interest and Late Fees : {$37000.00} Total Owed ( so far ) : {$87000.00} I was mis-informed and ill-advised on my student loan. After numerous years of deferments and forbearances. These are " loan Shark '' rates. 
Additionally, when Navient took over for Sallie Mae, there must have been some type of miscue because according to Navient I was delinquent several times which in turn was reported to the Credit Reporting Bureaus. This is a result of the switchover, not me.This is causing harm. I was appling for Deferments and Forbearances, even though ill-advised, there is no reason for the delinquent reporting. It is an error on the new Navient servicing company. 
Conversations on XX/XX/2020 both in online chat and the telephone with Navient representatives proved unfruitful. I requested to that late charges of {$780.00} be removed and the erroneous reporting to the CRB 's be updated and removed. 
The remedy I seek currently, eliminate interest charges, late fees and restore my good name on my credit reports. There are other issues I will take up at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-05-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent out a dispute letter to Equifax disputing multiple items that I had discovered on my credit report to be in accurate. I have yet to receive any form of communication from the credit bureau that investigation has been open per my request to re-investigate these items in question. Under federal law, the credit bureau has 30 days to complete this investigation which they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I became the successor of this property/mortgage and I was about to payoff this loan but received a XXXX increased amount more than the balance of XXXX but XXXX. I contacted Mr. cooper several times to request the records and an explanation of why and where did they get a XXXX increase ; they keep saying it was a loan modification done by the deceased borrower. They haven't and won't give me the itemized breakdown of the loan modification from XXXX XXXX. I need your help in resolving this horrific problem. We want proof, the itemized breakdown of the payoff, and the modification when it was done. They also told me to contact the previous lender to get the paperwork, which is crazy and I tried but it appears it is not a mortgage company or someone who service loans. I am very concerned that they ripped off the deceased client, something is not right. I just want clarity and the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: LA
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:
I contacted Equifax several months ago, regarding their company lowering my credit score after I paid off an account. On today, I saw that my credit score dropped XXXX points, because I have a {$1500.00} dollar balance with payment not due until XX/XX/2022. The credit utilization is 26 %, which is less than the recommended 30 %. Overall, I am utilizing 4 % of my {$40000.00} line of credit that is available. It appear that Equifax, is practicing deceptive business practices. The extreme lowering of my credit score is unethical, and illegal. I have heard that XXXX Americans credit scores, are toyed with in this manner and I hope that this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Account status incorrect

Complaint:
When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.

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 2021-05-26
Company: BAM Management US Holdings Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance disabled withdrawal on my account, and does not respond to support requests. After months of this, I disabled my account in an attempt to reactivate it and restore functionality so I could retrieve my money. Now my account has been banned, and I have been banned from any support channels. 

Binance has {$10000.00} of my money, and provides no means for me to withdraw it. 

Looking online, it is clear that they are doing this to a lot of people, it's not an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: MS
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:
Account previously in dispute, Company failed to resolve. According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original sign consumer contract and any and all accounts you post on the credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof and original consumers contract with my signature on it you have on file of the accounts listed below. XXXX failed to positively verify these accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank and XXXX XXXX The unverified items listed Above remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and it is correct. In the results of your first and second investigation you stated in writing that you verified that these items are being Reported correctly? Who verified these accounts? You have not provided me any copies of any original documentation required on the section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and a remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious to consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I also believe that another credit file have been mixed with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.

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 2022-10-29
Company: EQUIFAX, INC.
State: WI
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:
On or around XX/XX/2021 a fraudulent secured loan was opened in my name at XXXX XXXX XXXX XXXX. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: SC
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:
I am a authorized user on two XXXX XXXX credit card for over two years and Experian has failed to report my account history. Regardless of the numerous confirmations from XXXX XXXX that my information was reported to Experian as it was reported to XXXX and XXXX Experian is only showing I have two credit cards where as I have four. I have received the following message, repeat ... 
Thank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Lending Club Corp
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was a loyal customer with Lending Club. A payment of {$680.00} was drifted from my account on the 27th of each month for almost two years, thus, I was never late with my payments on a loan of {$20000.00} I took out in XXXX of XXXX. However, last year I went through a divorce and on the advice of my attorney, I called my creditors, and explained that my income was now cut-in-half and asked if a hardship program was available. All of my creditors immediately enrolled me into all hardship program, all except for Lending Club. I was told by a Lending Club customer service representative that Lending Club did not offer a hardship program. 

Today, XXXX XXXX, XXXX a representative from the debt collection agency hired by Lending Club called for a payment on my account. After I explained to her why I did not have the finances to bring my account current she asked why I did not asked to be enrolled in the hardship program. Hearing this, I was surprised! I explained to her that I had asked to be enrolled in a hardship program in XXXX, but was told that Lending Club did not offer a hardship program for its customers. After speaking to the debt collection representative I called Lending Club. I wanted to know why I was not enrolled in the hardship program when I asked back in XXXX. I was told by a Lending Club representative that recipient for the companys hardship program was selected electronically. I was also told that the debt collector should not have even mentioned the hardship program to me. 

I truly believe that I have been discriminated against. I do not understand why the process of selecting customer for their hardship program was never explained to me. I do not understand why I was lead to believe that a hardship program was not available to me and I do not understand why the debt collection agency was not supposed to tell me about the hardship program. 

Today, I am over 120 days late with my payments. My account has been outsourced and I owe Lending Club over {$2000.00} to bring my account current. Because of the late payments reported by Lending Club my once excellent credit has fallen below XXXX and I was denied the refinancing of my home, which I had hoped to get approved to finally pay off the Lending Club debt. I know if I was enrolled in the companys hardship program ( which I now know is offered to other customers ) all of the above could have been avoided. I want to pay my debt, but how can I do so, if I am not given the same opportunity as other people facing a hardship like myself?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSWORLD SYSTEMS INC
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 received a billing statement from XXXX XXXX which I don't have account with them. I contact XXXX XXXX that I never open an account with them and they ensure me that it was taking care of. Few month later, I received a debt collecting letter from Nationwide Credit and phone call. I told them it was a fraud and someone use my name and the SSN # was different. They are very rude and threaten me that if I don't pay they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding, LLC has not responded with any valid evidence that the debt they claim I owe them is legally theirs to do so. What I receive are poor quality copies of credit card statements. There is absolutely no evidence they are legally obligated to collect from me. 

LVNV filed a judgement against me XXXX # XXXX but due to health issues and not able to fight this it was dismissed as a hardship case. I to this day have no evidence this debt is really mine or who the real owner is. I have yet to see a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I applied for and received a Cash Reserve from Truist Bank. The initial approval was for {$750.00}. I received the money but then they changed the approval amount to {$500.00} after I had received the money and then tripled the repayment amount and eventually took all the money they said I owed causing me severe financial hardship.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-12
Company: Block, Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with CashApp XX/XX/XXXX. I have never brought any issues to CashApp with my account as I was always in good standing. My account was closed XX/XX/XXXX, by deactivating my account. I had direct deposit with my employer to CashApp and this caused me to not be able to retrieve my funds and accumulate late fees with my bills as I had to change my banking information with my employer. The reason that I was given by CashApp was account history, transaction disputes, or other possible violations. Regarding this information, I have always brought in over {$5.00}, XXXX month from my employer, I have had three disputes in three years, which even with proof, Ive been denied, and I had no violations. I did not have overage on my account, my account was in good standing. I know this was retaliatory because I advised CashApp that I would be filing a complaint against them with the Consumer Finance Protection Bureau when they were messing up a lot of peoples accounts, including mine. Per the Federal Trade Commission I would like the reasoning behind closing my account before seeking legal consultation for defamation and the stress from having to change banking information accruing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
Someone is using my identity in the state of XXXX, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I have never lived in XXXX, much less have family in that state of the nation. All these last 25 years living in the city of XXXXXXXX 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