BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: NV
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:
On XXXX XXXX, XXXX, I called Navient to ask for a forbearance while I changed banking institutions and updated my income driven information. I spoke to a representative, who prompted me to change my repayment plan. He took my SS # and bank account number. Navient charged my account on the XXXX of XXXX, per usual, however, " they '' were supposed to charge me on the XXXX according to the new contract. I contacted Navient on XXXX XXXX as to why I was charged, the representative could not assist me. I asked for a supervisor and was on hold for XXXX minutes.I never spoke to the supervisor. I hung up so I could call my bank and cancel that payment. 

The next day ( XXXX/XXXX/XXXX ) after reviewing the contract I had e-signed, I saw an address on the contract. I looked up the address using google and the first hit that was shown was " Navient XXXX XXXX XXXX, XXXX. '' I called Navient once again and they said they were not affiliated with that company. 

I used google to get the Navient phone number when I was connected to " Navient XXXX XXXX Services. '' How is it that this third person company had information about my loans? The reason I trusted this company and fell for their trap was because they new what should have been private information. After calling the XXXX Navient, they disclosed that there is a database that exists that people can look up loan information. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Synovus Bank
State: GA
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: Problem with product or service terms changing

Complaint:
On XX/XX/2022 at XXXX I called First Progress to ask why they put a delinquent note on my credit report. They say that they will erase it, but they didn't. That is hurting my credit score. 
The number I called is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased a XXXX XXXX  a XX/XX/XXXX from their. The promotion was for 12 months deferred interest - throughTD Bank. I received the product which came with 1 year free of the i-fit membership. I made 11 payments for the total amount {$1100.00} and showed a no balance on XX/XX/XXXX. I did not receive a XX/XX/XXXX statement. When I received the XX/XX/XXXX statement it showed new purchase with the titel " PURCHASE XXXX  FINANCING '' for {$410.00}. I thought this was for the deferred interest. I called on XX/XX/XXXX and told the TD finance rep of the charge. They stay I had to file a dispute online. I filed a dispute on line on XX/XX/XXXX. I received the XX/XX/XXXX bill and the charge is still on there plus a late fee of {$29.00}. While researching the documents for my CFPB complaint, I did discover XXXX emails in XX/XX/XXXX. The first one stated that the i-fit membership was extended for another year. It did not say how much it would cost. There was a second email with and invoice that showed {$410.00}. Most subscription services that auto renew send an email with a charge amount and pending renew day. The first email " extended '' suggest this is and extension of the free trial, not the renewal of the membership at its normal price available to be financed for 12 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
Company: Experian Information Solutions 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:
EXPERIAN, XXXX  AND XXXX  HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between 530 - 555 when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and XXXX were able to verify the accounts as fraudulent, still Experian keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, 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 2017-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017 I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same. 

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent XXXX and Equifax a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score. 

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both XXXX and Equifax were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over XXXX points. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent on documents to show the Debt cancellation and the documents showing that the US Bankruptcy do not report to any credit bureau and XXXX freeze as well. So they did not pull from this source as well. They refused to to remove. 
Thank you 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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
We initiated a XXXX  transfer on XX/XX/XXXX, and it shows completed on the chase side, but the recieving bank has been slow to deposit. We contacted chase and they absolutely have refused to get us the XXXX or put us in touch with their transfers desk. They say that they can not do so due to covid staffing. We're trying to escalate but after an hour on the phone and various other means of contacting them, we're at wits end on how they can fail to provide the transaction report on a fairly simple transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was going to school, with XXXX XXXX, XXXX on line and the cost was XXXX. I received XXXX} a year for XXXX year from XXXX. A week before I was to graduate the school told me they had closed. I got a bill from XXXX XXXX company charging me with XXXX  dollars. A year later they sold this bill to Navient. i do not owe this much money and it is a detriment to my credit. Please can you help me correct this error?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: MI
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 sent on documents to show the Debt cancellation and the documents showing that the US Bankruptcy do not report to any credit bureau and XXXX freeze as well. So they did not pull from this source as well. They refused to to remove. 
Thank you 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 2019-06-28
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:
I have negative remarks on accounts that don't even belong to me on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, IQ Data agreed to work out a payment plan and accepted {$110.00}. The next day the company then proceed to take an additional {$110.00}. Did not think of twice, I presumed it was an error but ultimately it was still taken out of my account. A week later I received orders to go to basic combat training for the XXXX XXXX. A couple of weeks later after the first payment made, I called the collection company and informed them that I wont be able to pay the full amount and asked if I could just make a payment plan because I wouldn't be able to communicate with my bank due to phone restrictions in basic training and then I was verbally assaulted, the man proceeded to making rude comments and yelling at me, and refused my request. However, on XXXX XXXX on 3 separate occasions, XXXX, XXXX and and XXXX on XX/XX/2021, they tried to charge my card {$4700.00} after telling them I was unable to do so due to my limitations and then telling them I do not authorize them charge the full amount on my card. They then proceeded to keep attempting to charge my account on 6 different days ; XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, XX/XX/2021 at XXXX, and XXXX XXXX XXXX  at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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 information incorrect

Complaint:
XXXX is reporting inquiries without my written permission in violation of 15 us1692c

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 2022-04-03
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-03
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-03
Company: EQUIFAX, INC.
State: CO
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:
Last year, as part of my XXXX transition process, I legally changed my name from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. I obtained an updated birth certificate, social security card and driver 's license, updated my name with my employer, updated my name with my mortgage company and paid my taxes with my new name. However, despite repeated attempts to use Equifax 's dispute process to update my name ( which is their process for name changes ), they continue to reject my requests. These are the dates that I've submitted online disputes to them : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've also tried updating my information with them by mail, but they've also rejected that attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Navient Solutions, LLC.
State: IN
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:
Navient has been reporting on my credit ( co-signed. ) My son has gone round and round with them about application of the payments he has made. They have in the past called me with threats to seize property or sue me. They were informed, at the time of job loss, for both the primary and the co. They have reported in error and have been one sided in details, even after trying to resolve and bring account current. Because of their bully  approach I now avoid giving my phone number or email address and require mail only. I would like to speak with them but they make it unresolvable to have a conversation. 
I had perfect credit and when they decided to put this on my report, this one account has dropped my score 200 points. Why would one account be so impactive when you have all the others excellent? I am upset and lacking confidence in student loans going forward. If this is the process for obtaining help to receive an education why would someone proceed? 
Who is stand in the gap for me and my son? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
I called TFS, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On TFS internal  system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over 1500 dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have sent written communication to LVNV Funding LLC XX/XX/2021, and I still have not received a signed contract that states I'm am the owner of this account. These two accounts are being reported on my credit report damaging my ability to obtain new credit. It has been over 60 days and yet I'm am still waiting. I demand that LVNV Funding LLC send notice to remove these Two accounts from my consumer report whom your company reports to because they are unverified and erroneous. I'm sure that LVNV Funding LLC are in violation of a few FDCPA Laws. If this doesn't get resolved, I will seek litigation to fix this problem due to stress.

Company response to consumer: Closed with explanation