BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Took out a {$42000.00} Parent Loan in XXXX for my son. Paid over {$35000.00} to Navient over the years and recently started to make double the payments to pay it off. I instructed them to always apply any extra to principle. Last month I noticed the balance doesn't seem to be going down and took a screen shot of the Current balance {$44000.00} on XX/XX/XXXX since they do not show how the payment is applied on their website. The interest on this loan is 6.5 %. I went to make the payment today XX/XX/XXXX ( the due date is XX/XX/XXXX ) and the principle is showing {$44000.00}. I called Navient and the employee XXXX emp # XXXX stated that on the date I made my payment on XX/XX/XXXX the principle went down to {$44000.00}. My {$500.00} payment took {$11.00} off the principle. He then was explaining that the interest accumulates and making odd and incorrect statements. I told him that it isn't possible to make a {$500.00} payment and have the principle go down on that day only {$11.00}. He then tried to make calculations as he was adding and couldn't explain it. I asked for a copy of the note. 
Please this is obvious a loan shark situation. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( XXXX ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Credit Karma, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, FL XXXX XXXX Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 I do not recognize this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge fraudulent accounts on my credit report. FTC ID theft report # 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 2018-09-06
Company: EQUIFAX, INC.
State: ND
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 contacted XXXX  Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX as a Charged off account. I informed her I had written a collection validation letter to Rise XXXX and wanted them to validate this debt showing up on my XXXX credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with XXXX. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my shared pledge loan on XX/XX/28 for {$1500.00} ( XXXX is held for collateral. ) I called on XX/XX/28, and was told it takes 24 hrs to receive funds. Next Friday I call I am told 2- 3 bus days, placed on hold to see if funds can be released today. I call back again and the last rep tells me that I am not getting my collateral amount became I received deposits every time I made a payment .I asked for a copy of these deposits, because I only see payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TD BANK US HOLDING COMPANY
State: MA
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 submitted a police report with a police report number to XXXX   and Nordstom showing that I am victim of identity theft and XXXX is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: ND
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 contacted Equifax Dispute Center, and was connected with XXXX, one of their customer service reps. I explained to him that I have tried many times to remove old addresses from my credit report, and have had no luck. He said that as long as creditors report them to Equifax, there is nothing he could do to help me. I stated to him that by law, Equifax is supposed to report correct information, and none of these old addresses are correct. He refused to delete them. I next moved on to some old accounts they have listed on my report. I informed him that I have written the XXXX XXXX XXXX XXXX twice to try and verify their claims that I had late payments on my student loans in 2014 but they do not respond back. I've called them numerous times but nobody can verify these late payments, so I asked XXXX to delete them from my report. He said without notice from the creditor, he couldn't do that. Same situation with a SSA account that is on my Equifax report. I have contacted them numerous times and they can't verify the account belongs to me, which it doesn't, it belongs to my deceased father XXXX XXXX. I asked him to delete this account due to lack of verification, but he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted XXXX XXXX company to resolve a debt that was owed to XXXX XXXX. I was able to settle the amount, however was not able to get them to remove it from my credit report. I have recently paid off 5 other accounts with different collection agencies and all of them are stated that they are removing the items completely from credit report. This company stated that they will not and could not. They stated that they would not contact XXXX to see if they would be willing to remove. In addition to this when I asked to speak to a supervisor I was denied stating that the manager was busy and that I could continually call back in hopes of getting in contact of one. This practice seems to be unfair due to the fact that 5 out 6 are willing to remove and would like to get this removed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$1200.00}, {$800.00}, {$1000.00}, {$1100.00}, {$450.00}, {$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 ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX 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 2018-09-06
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:
I wrote to the bureaus about two ( 2 ) XXXX XXXX account that I have that is closed and have a paid status on my credit report. I wrote them asking for the removal of the late payment on my account which I am still seeing and causing a negative impact on my credit. 
I am just asking for the removal of the history of late payment on my credit report concerning XXXX XXXX account # XXXX and XXXX as I am trying to obtain some credit and this is creating a negative impact on my overall credit and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Was not notified of investigation status or results

Complaint:
I been sending letters to this company that is reporting errors in my credit report and they are refusing to investigate, I have not receive any letters from this company to know if they are investigating or not.

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 2020-05-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
equifax is refusing to allow me to get my annual free credit report i have called and talked to rep and tried online with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

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 2018-06-20
Company: LoanCare, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I made a call to Loancare to make my mortgage payment. I asked the rep to help me sign up for autodraft, so I could more conveniently make payments. She did so. I told her the XX/XX/XXXX of every month. My mortgage is up to date, and my payments are around 660. So I was pretty shocked to see my bank statement come up as Loancare debiting my account on XX/XX/XXXX for XXXX, which is a lot more than my mortgage payment. Immediately I called them up. They said there was no history of any payment for XXXX. I told them my bank statement said otherwise. I sent the bank statement in to the payment department and received confirmation they received it. I also obtained the ACH transaction details from that draft and sent that in too. Within 48 hours, they emailed to say my issue was resolved. When I called them, they claimed I had actually sent in two separate payments, one for the amount and then extra. I told them I most certainly did not and I dont have the kind of cash to be doing that. The call was dropped, no one called me back. So I called again. This woman told me that the extra money had been applied to the principal, paying me up until XXXX. I told her thats not what I asked for, I wanted my money back, and she said she would forward it over to a supervisor for a call back. I never got one, so I called again. Yet another rep told me my check was in the mail. I thought this whole nightmare was over, and then I got an email saying my running bank statement was not enough proof that the XXXX had cleared my account, only that it had been attempted. So I went to my bank again, and I resent my bank statement, the transaction details, a letter from my bank stating that the payment had cleared the account and affected my balance with a phone number and an invite to call them with questions, as well as a screenshot of transactions showing the payment successfully being debited from my account and a positive balance after. And still I have no refund. Ive asked them never to autodraft my account again, because they claim there was no autodraft yet they went in and took a random amount out of my checking account somehow. Im in fear for what they will take out next month ans whether I will see any of my hard earned money again. I have had to spend at least four hours during work time, postpone important vehicle repairs, and undergo serious stress due to this. Whatever evidence I show this company that I made this substantial payment, they deny it and ask for more evidence.

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 2018-07-06
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: Their investigation did not fix an error on your report

Complaint:
Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.

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 2019-05-23
Company: COAST PROFESSIONAL INC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Coast Professional ) sent documents over to my employer as an government official. ( Documents attached ). I have never received documentation from this company or contracted with this company. Therefore I sent an affidavit to there company requesting jurisdiction and validated information and never received a response.I still have yet to see the contract granting Coast Professional the rights/Jurisdiction regardless of who they are stating they are working on the behalf of. I do not want to do business with Coast Professional. Attached is where Coast Professional not XXXX sent papers to my employer to garnish my wages. You still must prove your jurisdiction and answer the claim by affidavit per the law. Again, I dispute to contract with your company and we can get the XXXX involved if need be. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Coast Professional Inc to pay debt collector which will give your company jurisdiction to report this debt on my credit and garnish my wages ( per letter attached ) .. Regardless of what type of company you are, you still have to have a contract between either you or I or the original creditor in which gives you obligation to try and collect a debt. If you didn't purchase this debt then you surely have an obligation letter to collect and provide to me. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice to remove garnishment and any collection activity or a commercial lien and or suit will be filed against your company for dishonor, no jurisdiction and punitive damages.

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 2018-09-06
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: Their investigation did not fix an error on your report

Complaint:
this is not a duplicate dispute. I asked the equifax agency to delete a telecommunications collection from my account which violating FDCPA law which is 4 years for all collections. this account is from XX/XX/XXXX. there are 5 different dates appearing on this account and NONE of them are correct and no there information is valid or available. Equifax claims this was verified to be mine as a " credit '' account ... .this is a TELECOMMUNICATION COLLECTION, NOT AN EXTENSION OF CREDIT. date of last activity is inaccurate, it says delinquency first reportedXX/XX/XXXX, date opened XX/XX/XXXX date reportedXX/XX/XXXX and then again it says date of first delinquencyXX/XX/XXXX. None of this is legal nor does it make any sense to me.

This account is damaging : it looks like a credit account, it says collection account, it has re-aged dates and no information at all on anything else. so a XX/XX/XXXX account was delinquent inXX/XX/XXXX and still reported inXX/XX/XXXX? Senseless.

Company response to consumer: Closed with explanation