BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: Navient Solutions, LLC.
State: IL
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:
Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be  consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other  children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I recently sent letters over about 60 days ago to this bureau and they are disregarding a regular consumer dispute. I'm stressed and have been sending letters before this and still no response.

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 2018-08-29
Company: PNC Bank N.A.
State: PA
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:
My sister went to the dentis and got dentures and she is very unhappy with the results, they are still in wax and they are not finished and I lent her my credit card from pnc and the amount was {$3.00} and I disputed this on my credit card gave them everything they needed and still they are not giving me my money back. This has been going on since XX/XX/2018. They also wanted me to go to another merchant to get feed back, and other dentist just don't won't comment on another dentist 's work, and I had to pay for the office visit. I did everything to see if I can get my money back and they still won't. When I talked to the supervisor from pnc he also agreed with me about the dentist not commenting and then I said I have another dentist to go see and he said ok, but that dentist said the same thing and now he won't even return my phone calls, and he also said at the same conversation before I told him I was gon na see another dentist, that they would see what pnc can do for me. But has not called me back for days, I am filing a complaint, this is crazy, That conversation was even on a recorded line so he should not even go back on his word. I have the date and time from that conversation that was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage dba Mr. Cooper is claiming I owe lender paid expense balance of {$3600.00}. 

They can not provide a detailed listing of what the expense are for and I have disputed these charges multiple times. Are they violating Mortgage Servicer legal requirements by failing to provide requested information about the mortgage? 

I dispute the charges and they are referring me to a previous servicer. If Mr. Cooper is attempting to collect that debt they need to provide detailed information of the debt or remove this from the mortgage. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit reporting from this company is riddled with changing inaccuracies. In XXXX, XXXX  it reported me as being XXXX  days late with my XXXX payment. Then in XXXX, XXXX  it correctly removed the XXXX  day late on my XXXX payment but replaced it with a XXXX  day late on my XXXX payment. The in XXXX, XXXX  it correctly removed the XXXX  day late on my XXXX payment but both incorrectly put a XXXX  day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been XXXX  days late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers and the issuance of a debit card to an unauthorized party. 

Administrative personnel from TD bank branches XXXX XXXX XXXX, Assistant Vice President, NMLS ID # XXXX and XXXX XXXX, Assistant Vice President, NMLS ID # XXXX have attempted to address my concerns after representatives requested for escalation. To this date, I am being prevented from accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has said that the department that should respond to this issues has remain irresponsive and refused to provide a resolution. 

I have been awaiting for a proper resolution and the mitigation of my losses for a period of a month and 2 weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This regards a credit card for XXXX XXXX in XXXX. It was sold to a credit collections in XXXX. I was never aware of this credit until it was reported on my credit report XX/XX/XXXX. Since this is a 15 year old account, which I don't remember I thought this was supposed to drop after 7-years. I don't even know the amount. I do know it was under my maiden name XXXX, and I was married at this time. 
The credit collections is : XXXX XXXX, XXXX. 

If you can help me get this removed, I'm on XXXX and very ill. 

Thank you, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two application in my XXXX XXXX for more than a year I never apply I never received and they never take out the information from my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Diversified has input an account onto my credit file that I am unaware of. I have never had any debt for the amount of {$1800.00} nor have I ever even heard of Diversified Consultants up until now. Diversified has never contacted to inform me of this alleged debt or to give me the right of disputing the validity of this alleged account. I am a victim of identity theft and this account is a direct result of identity theft. I have never had any dealings with Diversified or any company that they represent. I have never had a contract or obligations that would suggest that I owe Diverisied any monies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
This case has to do with a lease disposition fees I contacted GM financial customer service, and XXXX XXXX VP Customer experience with negatives results. Filed a better business Bureau complaint with negative results. 

I have been a XXXX XXXX lessee since XXXX renewing a new lease every two or three years. I intended to do the same this year when my lease a ( XXXX ) XXXX was scheduled for return on XX/XX/XXXX. In late XXXX, preparation for the return and shop a new XXXX, I made countless calls to the dealership XXXX XXXX but they and other dealerships in the area were closed due to Covid-19. I contacted GM financial and was issued a two month extension. 

Please take Note that in XXXX and XXXX GM financial was broadcasting TV advertisements targeting new buyers and NEW lessees with discounts for the XXXX XXXX despite the dealerships being closed. There were no offers for current lessees. 

I live on a fixed income since I retired in XXXX and need a car to drive to doctors appointments and ( 5 ) hours of XXXX XXXX three days a week. I had very little time to wait and so decided to lease a XXXX XXXX instead because the dealership was open, allowed a test drive and made an offer where my payment was a few dollars less  than my current lease payment. 

I received a bill from GM financial for a disposition fee of {$430.00} because I did not purchase or lease a new GM citing the clause below ; " Costumer leasing Act Disclosures : 4. Other charges ( not part of your scheduled payment ) A. Disposition Fee ( if you do not purchase the vehicle and we do not waive the fee under Item 23 ( t ) {$390.00} 23 ( t ) Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a new General Motors Vehicle when this lease ends. '' If you check my history you will find that I was current on all my payments, and that my credit rating is in the XXXX and above. I was a XXXX XXXX XXXX who used discretion in deciding on whether to XXXX XXXX XXXX  and individual using the letter of the law or the spirit of the law. GM financial is using the letter of the law in there one sided contract. It is a punishment for not buying or leasing a new GM despite their neglect of making lease offers to current lessees.

Its interesting that my tax dollars went to bail GM via the TARP in the financial crisis on XXXX and they wont waive a XXXX charge cause by the pandemic such greedy XXXX. 

Thank you in advance for considering my petition. 

Respectfully submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXXXXXX 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 2023-05-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: CITIBANK, N.A.
State: GA
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:
This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.

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 2018-10-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collections account on my credit report that doesn't belong to me. I live in my mothers house and we have had XXXX XXXX XXXX basic cable for 22 years so I don't understand how all of a sudden I have a XXXX that I owe.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my 5th 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 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

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 2018-08-30
Company: Experian Information Solutions Inc.
State: AZ
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:
Called Experian on XX/XX/2018 to find out why there was freeze without consent on my credit bureau. After being on the phone with them several times ; the agent finally told me that the pin number associated with my credit file was being mixed with someone else 's credit file. 

They have no idea how long this was going on and the agent told me he could not fix the error on his end because the systems were down. I told him they were ruining peoples lives doing stuff like this and he agreed and apologized, but, again said there was nothing he could do. 

This means my credit scores were being mixed with someone else and i have NO IDEA WHAT THEIR CREDIT IS LIKE! I was being turned down by different companies who used experian as their default company to check credit and was not understanding why i was being turned down, because everything on my credit report as far as i was concerned was perfect. It wasn't until i became aware of these developments, that everything started to make sense and the individual on the phone actually agreed with me in stating that this was affecting my credit report neagatively since our reports were being mixed together. 

I consider this fraudulent practices/behavior and i demand immediate reconciliation from experian and I might even consider legal repercussions because i am aware of my rights under the FCRA laws, and this is a blatant disregard of said laws and i know under these circumstance that i could be eligile for financial restitution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: VA
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:
I had an account with XXXX XXXX ( medical bill ) this I paid completely off in early XXXX of 2021. XXXX and XXXX have removed this from my credit score sometime during the third week of XXXX but experian hasn't in the past month and I haven't been able to contact a human about this issue in the last few weeks of calling them. There is no real option they give through the automated prompts that are able to help me with my issue. So now since majority of credit card businesses and mortgage companies seem to use experian in my area I am getting denied with them saying I have something in collections that's due when I do not. They are not getting a complete and accurate credit report. It shows I have a collection due when I do not and I would like to have it removed just like with XXXX and 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