BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called navient on XX/XX/XXXX to put a check on file for the balance to be paid XX/XX/XXXX, navient ran the payment on the XXXX and I got a XXXX   dollar bank fee and had a XXXX  dollar bill and XXXX expense that now went into my line of credit through my bank. I called navient on XX/XX/XXXX to make them aware of unauthorized payment, I sent over bank statement to prove charges. I called navient XX/XX/XXXX gave my account info for a refund of XXXX but instead navient ran a payment again for the full balance on my account which made another bank fee. I have spoke to several representatives and get something different every time, navient doesn't want to reimbursed me for 3-5 days. so onXX/XX/XXXXwhen I call to pay my balance off it's showing I don't owe anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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 sent a letter on XX/XX/2018 requesting that valadation of said account to be proven in order to collect a debt. The company response didnt not include proof of Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
XXXX XXXX XXXX FCRA violation Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/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 2022-08-08
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check in the mail, and went to my 5/3 bank to deposit it. When the clerk came back, saying that the check could not be verified, she gave me the check back and said to check with the company that sent it. I called the number on the letter that accompanied the check, and was instructed to mail everything back, and that they would look into it. After I did so, I never heard anything else back from the company, and when I went back to my bank, I was instructed that they had closed my accounts and seize my remaining assets because the check I attempted to deposit was suspicious. I was then told that my balance would be mailed to me, and that there was no one I could talk to in regards to this incident. I was also told that had the check not been returned to me, that the outcome and actions taken by the institution would have been significantly different.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/2018Navient took ownership of my FFEL Student Loan. That loan has been in good standing for at least the last 10 years with XXXX and then XXXX, with no issues. I had been paying {$450.00} to them for a few years with no problem. 

When I was notified about Navient taking ownership of my loan I was told to wait for them to contact me. I did just that. I spoke to a Navient representative on XX/XX/XXXX and was told that I had to establish a new account with them and needed to discuss repayment options. 

I gave them all the information they requested. I requested that my loan be considered for forgiveness given the account has been in good standing for 10 years and I've been paying the loan off over 18 years so far. Anyway, he said that i'm not eligible because my combined household income is too high. He then proceeded to say that the only repayment option that I'm eligible for is a revised income repayment option @ {$330.00} per month. I refused stating that with the previous agreement I was on track to be paying the loan off for another ten years. I told the gentleman that I don't want to be paying off my when I'm retired and on social security. So, {$330.00} is too low. I wanted an option comparable to what I was paying to shorten the amount of time and interest paid, or loan forgiveness. He said He'd talk to a supervisor about other options. Then, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to get some financial assistance which the company offers during times of hardship. I ask at the outset of the process for the underwriting guidelines so I knew what to expect and how to fill out the application properly. They wouldn't provide the guidelines, nor would they tell me anything about them. I had to resubmit the P & L 6 separate times with 6 separate reps from the company telling me 6 separate things. In the end they denied it because of an obscure underwriting rule that they never told me about even though I had repeatedly asked them to do so. 

My sense is that they offer these assistance programs with no intention of making good on the program. The guidelines were obscure and the representatives were vague and didn't know their own program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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: Their investigation did not fix an error on your report

Complaint:
I completed all of the following and sent it to Equifax through certified mail. 

XXXX ) Identity Theft Victims Affidavit completed and notorized with police report 2 ) Included proofs of my identity ( Driver 's license, social security card ) 3 ) Included copy of section 605B Fair Credit Reporting Act 4 ) Included copy Equifax credit bureau section with items of dispute circled. 

Equifax is not abiding by federal law and is taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: LEXISNEXIS
State: AL
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: Problem with personal statement of dispute

Complaint:
I have dispute a public record bankruptcy off my credit report with XXXX   about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights XXXX has remove the man name but not his bankruptcy back in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
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:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present

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 2018-06-27
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:
XX/XX/23 Sent a letter certified mail to Experian in regards to fraudulent accounts for removal. Since then I have not received a response or seen any action taken place for removal

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 2020-12-14
Company: OneMain Finance Corporation
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company ONE Main Financial Group has harassed me daily by calling my personal cell phone number from XXXX, XXXX, XXXX until this present day XX/XX/XXXX. Repeatedly! ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, ONE MAIN Financial Group sent a Sheriff Deputy to my house that tested XXXX  for XXXX  XXXX  and they could have possibly exposed me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the deputy was symptomatic and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i had a chime online checking 's banking and credit accounts and have been with them for about 2 years now and earlier this month i was informed by XXXX or the XXXX the company the either are owned by or work with that my information didn't match with my social and it turned out my last name was misspelled and i sent them a w9 or updated info through mail and then a few days later i called chime to make sure that the updated my info and was told new cards would be sent to me and now yesterday on the XXXX i was emailed that my accounts would be closing after reviewing my information without notice i had about {$1200.00} in those accounts all together and i just wasn't my money back the said the would mail me a check within 30 days which is wrong the should have let me transfer my money to another account or been able to withdrawal it. the haven't give me clarity on where my money is or anything that's my rent money and more

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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:
I would like to report and let you know that these unknown inquires are not mine. I do not recognize them, I have never gave anybody any permission for these inquires. Please remove them from my credit report and let me know when you are done. This is ridiculous that bureaus reporting misleading information and have no responsibility. Why I have to worry about their bad reporting? Why I have to suffer because of them? REMOVE THEM Please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CITIBANK, N.A.
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:
On MXX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On MXX/XX/2019, XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiriy on my credit report per 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 2018-06-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I order all three of my credit reports and began going thru them looking for mistakes and I noticed XXXX XXXX. XXXX XXXX was on my reports in the XXXX XXXX of the reports, in lew of XXXX XXXX a credit card company. In the beginning of XX/XX/XXXX, I starting inquiring with these companies and the reporting agencies for the accuracy of the of the supposed to be debt items on my reports. I sent XXXX XXXX, a letter to Validate this supposed item of debt on XX/XX/XXXX. And XXXX in returned sent me back a updated change to their credit reporting policy. Note, I ask for XXXX to Validate this item listed on my reports. The next letter I, send was in the middle of XX/XX/XXXX, XXXX never replied to my second letter but is still reporting to the credit reporting agencies with out fail. These is a clear violation of FDCPA Sec. 809 b - Collection Agencies, not validating debt and still reporting to credit reporting agencies. Also, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different statues as to closed acct. and open acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
HSBC changed their website to pay bills online about three to four months ago. The website is literally awful, impossible to navigate that I will now have to find time to close my online bill payment account which I have had for over twenty years. I have many automatic bill payment accounts, therefore closing my HSBC account will be time consuming. have two HSBC credit cards, a checking account and a savings account. In order to have free checking, I have to maintain a minimum of {$10000.00} in my savings account which is unacceptable. 

But getting back to bill payment. I tried to make a payment on my HSBC credit card, but I inadvertently made a cash advance instead. I called HSBC five minutes later and they refused to cancel the cash advance which carries a fee. They promised me it would be straightened out in 4-5 business days which is unacceptable. Also with the new online banking I can no longer see what my minimum payment due on my HSBC credit card account is. This is unheard of. A representative from HSBC told me I have to access my estatments.

In summary HSBC can not change their website to what it used to be. I have a college degree in XXXX XXXX  ; would be happy to send my college transcript, but this website is geared to consumers to miss payments and enrich HSBC. Case in point, when one wants to pay a bill, there is no pay bill to click on, one must click on " transfer money ''. How is one supposed to know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Dr.Skiptracer, LLC
State: FL
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:
On or about XX/XX/2021, a collections agent accessed my XXXX credit report fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is   XXXX   XXXX   and I have problem with my mortgage lender. It look like the mortgage lender has been exciting and eager to foreclose my house while I am still making payment for them. Recently they rejected our payment and want to move on with foreclosure. They completely refused to speak to us and make us confusing to dual lender/ mortgage send out. We dont even know which one we need to talk. We owed one mortgage only for our property and 2 lender send letter to me which are   XXXX   XXXX   XXXX   XXXX   and Bayview Loan Servicing. They have same account number but when we have tried to contact them, none of them get back to us over the phone or formal request. We are struggling that we dont know what we should do due to threaten to foreclose our house. We need to address 2 issues : who is our lender and why they said we are behind on mortgage while we are making mortgage regular payment.
In  XX/XX/XXXX , we have filed bankruptcy chapter  XXXX  due to foreclosure of the house in   XXXX   XXXX  . However, we are still making fully payment for my mortgage of subject property   XXXX   XXXX   XXXX  ,   XXXX   XXXX    XXXX . We have attached the proof that we made payment since then to now. Now we are ending up that we are behind {$17000.00} more for mortgage. We dont even know where it comes from.
We have attached proof from  XXXX  transferred to   XXXX   XXXX   XXXX   XXXX   as of XX/XX/XXXX  with last payment and balance. We dont even see that we are behind when we are with   XXXX   XXXX  . Once it transferred to   XXXX   XXXX   XXXX   XXXX  , it showed that we are behi  nd while we made regular payment since with  XXXX  to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX/XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present

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 2018-06-27
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've received numerous calls to my personal and work phones regarding a debt that I do not believe was opened by me. I've repeatedly asked that they send debt validation info via certified mail so they can verify I received it but they instead persist in making calls without providing the debt validation info that is my right under the Fair Debt Collector Practices Act. They also consistently call both lines from spoofed numbers.

Company response to consumer: Closed with explanation