BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX loans outstanding with Navient, totally somewhere around {$17000.00}. Until XX/XX/XXXX I was able to make payments, as I was working part-time in addition to receiving XXXX Survivor benefits. In XXXX, however, I had reconstructive XXXX on my ankle which kept me from working. I subsequently filed bankruptcy. The Navient loans were not XXXX, so I called Navient and told them that, while I knew I was responsible for the loans, I was not able to pay the $ XXXX they were requesting because my income was only $ XXXX. I told them that I would pay what I could each month but never less than $ XXXX, which I have continued to do. I acknowledged that I would be receiving their collection calls, but asked that they not call later than XXXX as I rose early and retired early. So far, I am receiving calls as late as XXXX, as often as XXXX calls per day, and receiving them every day until I answer. Once I take XXXX of their calls, the calls stop for that day, but resume within a few days. The conversation is always the same : I acknowledge the loan, explain my current income an inability to pay the {$240.00} they want per month, ask them to make a note on my account, and then repeatedly tell them I can only pay $ XXXX but will pay more whenever I can. We go around and around until they get tired of it and end the conversation. I have made good on my promise of sending $ XXXX. On their side of things, they will not accept that I can not afford to pay more, nor will they work with me to pay less per month, such as income-based. I was prompted to write to you because, having missed XXXX calls from them yesterday because I was n't home, the first call came in at XXXX this morning and my caller ID indicated " XXXX XXXX when, in fact, it was Navient calling. I rather doubt that XXXX would appreciate being used as a cover for Navient collection calls. I have just made, and they 've accepted, a payment for {$20.00}, even though I could better use that money toward groceries. I am at a loss as to how to proceed. I do n't need Navient calling 3 times a day, and I can not pay more than what I am sending them. We 're at an impasse and I need your help. I 'm also concerned that using a false name to fool people is more than just underhanded but may be fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I discovered that the same account on my credit report was misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate the same account reporting as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX, I contacted TransUnion to tell them that a delinquent account listed on my credit report was a fraudulent one -- I did not open the account. 

It is a credit card account from XXXX XXXX XXXX. I had never heard of this bank before noticing the fraudulent account. The bank is nearly impossible to contact to speak with a human, and the account is still affecting my credit score and still shows up on my report. 

I can't emphasize enough that the account is not mine, and I have made many efforts to rectify the situation, and still feel I'm being held responsible for a delinquent account that I never opened in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-12-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a Signature Student loan through Navient that was originally obtained when I was a XXXX student at XXXX of New Jersey XXXX XXXX XXXX XXXX. I have been trying to defer/forbear this loan for the last several months ( I am currently an XXXX ) and have not had success despite submitting XXXX sets of paperwork that were 'signed off ' on by my XXXX. I was told that the XXXX set of paperwork was 'not the correct type ' and was given another set of paperwork to complete. After the last set of paperwork was submitted, I received emails stating that the paperwork had been 'declined '. When I called Navient, the representatives I spoke to seemed surprised and stated that this 'should have been the correct paperwork ' but that they 'had been having computer problems '. I was reassured that the paperwork was 'about to go through '. 

All of this occurred XX/XX/2015. It is now XX/XX/2015 and the loan still has not been deferred. If this loan can not be deferred for some reason, I would appreciate if somebody would just tell me this rather than having me submit paperwork over and over again. If it can be deferred, I would imagine that I have submitted enough paperwork at this point for a deferral to be carried out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I recently lost my job and will not be able to get back to work until XXXX. When I called Navient to try and work something out with them as far as deferment, they would n't work with me. They said there was n't anything they could do and just reminded me of the repercussions of defaulting which is what I told them I was in fear of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Every single year Navient kicks me out of my income based loan repayment plan and sends me a bill for a normal plan after I have uploaded all of the forms, and CALLED TO CONFIRM they have received them and all is in order. The site is awful to deal with and you have to transfer to their older site and upload files in an obscure location. The due date for your federal tax information is IMPOSSIBLE to meet by XX/XX/XXXX since XXXX 's rarely come on time and taxes would have to be complete within two weeks of receiving them. Everything is complicated. They send bills on weekends so you ca n't call and fix things. It 's the same exact problem ... every year. Long hold times. Everyone tries to put you on forbearance while they fix their problem. It 's awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Account information incorrect

Complaint:
I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.

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 2019-03-28
Company: Experian Information Solutions Inc.
State: TX
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 have an account on XXXX  and Experian that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter

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 2019-10-24
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified of a Debt when a debt collector Kings Credit Services out of XXXX, Ca filed a Summary Judgement against me on XX/XX/19. I asked them to verify the debt, when they sent me their reply the amount of {$680.00} was not correct. I sent them information informing them the amount they were going after me for and asking them to go back and verify with their client. It seemed that the Dr. office that this was from was not crediting my account for payments made. They never replied to my reply. They continued their court actions. Now they have a judgement against my they got from I now consider fraudulent information since they refused to verify the debt. 

Until I got the court documents as far as I can tell I never had contact with the agency, either written or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: TX
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:
Update my account and scrore they did not provide the right information

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 2023-01-12
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. I never read anywhere of these fee charges I called several times and connected with a representative and supervisor on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I obtained my credit report at the end of XX/XX/XXXX. I saw that XXXX XXXX XXXX XXXX reported me late one time in the month of XX/XX/XXXX. Immediately I thought there has to be a mistake. One reason is that I have auto pay and I was on short-term XXXX during this time and informed the Credit Card Company of my situation. I have three letters from the bank stating they can not help me and they do not make goodwill adjustments which is fine. What is not fine is that XXXX XXXX is in error because that one late payment should not be on my report. I proceeded to send an email to XXXX where I received a phone call from a representative stating they received all 10 of my emails and they have determined they can not remove my late payment from the credit bureaus. I asked the rep to explain to me how they investigated my autopay, the fact that I notified them that I was on short-term XXXX from XXXX XXXX XXXX XXXX ; how did they do a proper investigation and he stated they did not investigate my autopay. That is absurd!!!!!!!! I want my late payment removed from all three credit bureaus due to an error on XXXX XXXX XXXX. Furthermore, doesn't XXXX XXXX offer services for when their cardmembers are not working. Why give me a late payment during the time I was on XXXX. I have sent many letters to the credit bureau, to XXXX XXXX, and I have emailed my short-term XXXX papers to XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
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 applied for a Lowe 's Credit Card through Synchrony Bank, XXXX XXXX XXXX, XXXX Fl XXXX on XX/XX/22. On XX/XX/22 I received an email from Synchrony with a reference number to review the details of my application. The code did not work ( attached ). I called Synchrony on XX/XX/22 and explained the code did not work and they stated they would send me a written explanation of my denied card application. When I asked why it was declined they stated they could not share that information. 
Several days later I received the attached letter which was not an explanation as to why my application was declined, but a letter regarding inaccurate reported information. I called them again on XX/XX/22 stating I still have not received the reason for my denied application and shared the letter I did receive. I was told that was sent in error and a request for the denied letter would be requested again. On XX/XX/22 I called back because at this point I requested my credit report from XXXX which is who Synchrony stated they used to make the decision and my credit report was perfect and had a credit score of 833, On the XX/XX/22 call I insisted on speaking to a Manager and someone by the name of XXXX came on the line and I explained what happen and asked why the application was denied. After going back and forth she finally shared the reason for the denial was based on risk factors in confirming my identity per the XXXX credit report. I asked for more details and she said there are none. I need to call XXXX to resolve. I said I already did that and they see nothing suspicious or inaccurate on my report. 
I again asked for the official denial letter and again I was promised another request would be entered to send me a copy. Today is XX/XX/22 and I have never received the denial letter.

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 2018-05-21
Company: Allied Collection Services, Inc. (Nevada)
State: SC
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 discovered after applying for credit that a company named Allied had put information on my credit of a bad debt. I had not heard of this company and called them to inquire. They stated that I owed money on s student loan that they acquired. I assured them that my student loans had long been paid in full. They then stated that I had co signed a little an. After much discussion I agreed to pay XXXX due to XXXX ncern over my credit while they agreed to send me proof of my signature on the said loan. I never received documents and they took 0ver {$1500.00} put out of my account. I tried multiple times to contact them and they would not return my calls. Finally I had to go to my bank and change account information. This all began in XX/XX/2017 and they have yet to resolve this issue. XXXX thinks that this is a fraud issue and had instructed my to contact Law Enforcement as well as your agency. They have placed an alert on my credit report because there are also a fradulsnt address and name on my report which may be associated with this account and company.

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