BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have moved out of the USA and have had a very difficult time managing my student loans. To make payments from overseas international accounts are not accepted. I have since opened an account in the USA. Due to family circumstances I have had to altar my repayment and even defer payment for a time. I borrowed {$28000.00} and despite making payments since 2008 I now owe {$36000.00} because the interest rates are astronomical. My mother is the cosigner and my father is XXXX, so she is unable to assist in repayment. I am worried about getting her into financial trouble, but am doing my best to fulfill my obligation, but I do n't see an end in sight. My only option at the moment is to extend my repayment period to lower my monthly payments and still that is not manageable. I 'm at my wits end trying to figure this out and to be honest quite XXXX and XXXX. If I had known or been better educated at the time of borrowing, I would have NEVER taken out a signature student loan. It was marketed as a friendly option to students and has been anything but and the biggest regret I have. I would have preferred to not have my XXXX XXXX degree then be stuck in this horrible contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Car was refinanced from this company. 
It should not read charged off

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 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, XXXX, and TransUnion. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Oliver Adjustment Co.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is NOT my debt. This is extortion. Why is this appearing in XX/XX/XXXX for the 1st time but opened in XX/XX/XXXX?  It's extortion to get me to pay something not mines to make it go away. I have always had great medical benefits. I have never received a bill because it is not mine!. This appear on my XXXX XXXX report via XXXX as of XX/XX/XXXX but for XX/XX/XXXX. 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 2020-06-23
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-08-05
Company: EQUIFAX, INC.
State: CA
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a mortgage for a little over two years since XX/XX/2016. my loan servicer is US Bank and recently because of increased bills and credit cards out of control and my wife has no income. I have asked US bank to start Loan Mitigation to help me in payments on the loan. in this process I have been in contact with them and completed all paperwork. the problem is that even though I am in the process they continue to call me form there collections dept. sometimes 3-4 times a day and leave me messages about contacting them for payments. I have asked repeatedly for them to calling me as I know that I owe them payment but it continues. it is amounting to harassment and I have asked them to limit the calls, which they say all I can do is ask for Cease and desist contact which I don't think would be wise. I would just like them to process my application and stop harassing me for the payments as I am doing the best I can with my situation.

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 2018-10-25
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: WA
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:
Companies- XXXX XXXX XXXX XXXX . Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB

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 2021-10-13
Company: Millco Management
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amerifinancial Solutions has a claim from an XXXX physician at XXXX dated on XXXX for the amount of XXXX I initially set up a payment plan when I got this notice but when I spoke with a representative from XXXX they reported there was XXXX balance for the XXXX visit and the XXXX phsician visit. I stopped paying the {$50.00} monthly. I have disputed this claim 3 times to get information, thinking it was fraudulent or it was with another medical facility. 

I spoke again with Amerifinancial Soultions and they reported the claim was with XXXX XXXX physician. The date of service was on XXXX. I reached out to my insurance which is XXXX XXXX and XXXX. I spoke with XXXX on XXXX from XXXX  at the following numberXXXX. XXXX reported that the XXXX doctor visit at XXXX was processed for XXXX and paid. My remaining balance was {$23.00}. 

I have reached out to the XXXX Physicians that was contracted with XXXX at this time multiple time and have not received a call back to get possible assistance with this matter. 

XXXX XXXX XXXX was the contracting XXXX physican agency with XXXX at this time. I did receive service from this XXXX physician. My insurance can provide the information that the claim was paid. I have contacted XXXX at this company XXXX to be transferred and XXXX XXXX by leaving multiple messages. 

I am reporting this to get this removed from my credit report because it is unfairly being reported as a negative report when the claim has been paid and my insurance can prove they paid it. XXXX  has the information to prove it. I give permission for someone to call to do a 3-way call with my insurance to validate this information from XXXX. 

I need assistance with someone to reach out to Amerifinancial solutions to solve this claim. As you know these credit agencies are in the business to claim a debit not to solve a problem. I have not been successful in getting information in the past. 

I have spoke with XXXX at XXXX regarding this matter at XXXX and she said she would be glad to help in anyway she could. 

Please reach out to me to get this problem solved. I need your assistance. I need this removed from my credit report as I am trying to borrow money for my son 's college needs. 

Thank-you for your time and assistance. Please feel free to call me anytime at XXXX. You may even call my work at XXXX XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: NC
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:
SEVERAL FRAUDULENT ACCOUNTS WAS OPEN IN MY NAME THE THIEF STOLE MY ID NAD SOCIAL SECURITY NUMBER AND USE IT TO GET MEDICAL AND AUTO LOANS AND CREDIT AND UTILITY ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRASs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: PA
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:
so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.

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 2018-10-25
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX   Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX  Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : 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 2018-10-25
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Experian XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : 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 2020-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed my Bankruptcy with XXXX with all of the documents supported and I sent in the Court Documents stating that the courts do not report to the credit bureaus ( see attachment ) so they are illegally reporting and I received a response from XXXX stating that they can't locate the disputed item ( Bankruptcy ) in their database in which I sent a copy of my report from XXXX which has the bankruptcy in the report ( See attached ) along with a letter to dispute with the references numbers along with my social along with telling them its a Bankruptcy. so this item needs to be deleted immediately from all three credit bureaus along with XXXX for having inaccurate information on my Credit Report and sending an inaccurate statement in writing. 

I have all supporting documents to prove this case and their response as well.

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 2018-10-25
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were send a closing document to sign that was unbalanced/contained errors. It was sent to us at the end of business day when there was no one available to call to ask questions to. We looked at/acknowledged it. The next day we were notified that there were errors in the closing document/that it was unbalanced and told that we had <1 hour to decide if we wanted to delay closing/risk losing the house or lose out on {$5500.00} worth of seller credit. No one took responsibilty for the error. In fact, we were blamed for the error ( the mortgage representative told us the error was because we rushed them ). I have tried multiple times to address this with bbva. The mortgage lender has not acknowledged or taken responsibilty for the error in the CD that lead to our loss.

Company response to consumer: Closed with explanation