BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: Navient Solutions, LLC.
State: CA
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 took out federal student loans in XXXX, then the government unilaterally transferred them to Navient. Now, Navient is telling me I don't qualify for the government-mandated administrative forbearance in response to the Covid-19 pandemic. This forbearance allows you " to temporarily stop making your monthly loan payment. This suspension of payments will last until XXXX XXXX, XXXX. '' But I'm not qualified for this because, Navient says, some other organization is servicing my loans ... even though I deal only with Navient. 
This is pure fleecing. I took out federal loans. I never had any say over who manages and services the loans. I deserve not to have to pay during this crisis like others who took out federal loans. There must be millions of others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are XXXX XXXX, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX XXXX & XXXX XXXX. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from XXXX XXXX and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, XXXX XXXX even does not try to help this case at all. 
I went to XXXX XXXX Branch office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$700.00} XXXX {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: GA
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:
hard inquiries I did not approve this Equifax XXXX XXXX Inquiry from XX/XX/2017 XXXX ss

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that Toyota Motor Credit Corp asked them to collect from me the amount of {$160.00} because according Toyota Motor Credit Corp records after I returned my XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call Toyota Motor Credit Corp and  clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with Toyota Motor, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said Toyota Motor Credit Corp is charging me because I didn't return the 2nd Key from my XXXX Leased and I called again to Toyota Motor Credit and advised them that I still have the XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in XX/XX/2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XX/XX/2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.

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 2019-05-03
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have witnessed the worst experience of my life facing a serious of problems with Transferwise.com. It has not only cost me financial loss but also my reputation. I have been a customer for almost a month. My documents were not verified for 3 weeks despite countless calls and several emails. The worst thing, i couldn't even withdraw my money into my own account. Neither i can send personal transactions of large amounts just because i accidentally applied my business account during signup. There were days when i had to call even thrice. I couldn't make a purchase from my own money and i seem to stuck my funds with transferwise. They have the worst customer service one can ever imagine with csr telling you they can't do anything. It is what it is so don't bother dialing their support phone. Their verification department seems to be in hibernation or somewhere in XXXX where you have to wait for days for your turn. You get 1 email and then another number of days. Finally they disabled my account which i am sooo thankful for because i was just so frustrated of all the wait. After all this : I am still waiting for my funds to clear out. I have sent them 2 emails and 3 calls in last 24 hours. 1 agent seems to say one thing and other agent seems to say another. Also now they are dropping my calls without any explanation. 
Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-- -- -This is not a duplicate -- -- -Southwest credit systems LP reports to XXXX  that I opened an account on XX/XX/XXXX with XXXX. I did not open an account with XXXX, nor have I had an account with XXXX in years. This information is incorrect and must be removed from my credit reports. 

How can an account opened in XX/XX/XXXX already be in collection to a third party debt collector in XX/XX/XXXX?

I need validation of the debt. 

I'm requesting all further collection attempts including reporting to all credit bureaus be stopped. 

I'm requesting a validation of the amount owed. 

I'm requesting all payment history. 

I'm requesting the date of first/last delinquency. 

I'm requesting a copy of the information that was used to validate my identity when they account was opened. 

I'm requesting that you refer to the last company that purchased this debt that is no longer reporting to my credit because they couldn't validate the debt. 

I'm requesting that you refer to my first complaint to your company before preceding with this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Navient Solutions, LLC.
State: IA
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:
When I started college, I was single mom, with XXXX kids.I was in low income single head in a household.The student loan kept adding up.Even I was working all the time so not get student loan.The yearly interest was flying rapidly.I 'm trying to catch with the student loan.Navient had called me for loan forgiveness since I worked full time sub-teacher.When I talked to Navient they change what they said, they want me to pay $ 560 monthly.They added and pile the loan on my credit report.With yearly interest 14.9 %. I spent hours and hours talking to them with no success.I told them I need an income plan for the payment long time ago.They called me am qualify for loan cancelation and I called back nothing had done.They had called me more than ten times am qualify for govenment forgiven program, I called back and nothing had done.I 'm so sadden and confused, I felt am in prison on my student loan problem with no seems to end or go nowhere.Am still in low income trying to help my XXXX kids in their life.Am in Housing Authority program.I lived in the same home for 11 years, always I felt my home just my prison with no freedom.Navient had ruin my credit history and made my credit score very negative and look bad.I want them to remove those piled student loan with very high interest to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Around XX/XX/2019 I've submitted my dispute letters to Equifax, XXXX XXXX, and XXXX, but also the collection agency XXXX XXXX XXXX XXXX.. XX/XX/XXXX I received a letter of correspondence from XXXX stating that my concerns will be reviewed yet the item is still on my Equifax report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: LD Holdings Group, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my account setup to make biweekly payments to my mortgage accounts. Due to an antiquated payment processing system, the biweekly payments weren't being applied correctly and caused my account to incorrectly reflect as past due. I called on XX/XX/ and a very helpful agent fixed my account through the following actions : a. Took a payment for {$3600.00} over the phone to settle my unapplied XXXX XXXX  payment. 
b. Put in a request to issue a early partial principal payoff of {$1800.00} which was applied to my account on XXXX XXXX XXXX  per the attached statement. 
c. Additionally, I made two payments of {$1800.00} each on XX/XX/ and XXXX XXXX XXXX These two payments were combined as applied as my XXXX payment. 
d. On XX/XX/, I made a payment of {$3600.00} against my XXXX payment due. 

A refund check for a partial payment of {$1800.00} was apparently processed on XXXX XXXX XXXX   I never received this refund check. I called twice and was told to wait for USPS regular mail delivery of said refund check. The second time I called, I spoke with XXXX XXXX who gave a refund check # XXXX and was told to email her if I did not receive the check after XXXX. I emailed her at XXXX but never received a response. After waiting until early XXXX, I called a third time. The agent helped request a new refund check and voided the original refund check. I was assured the new check will be sent via a trackable mailing service. The agent also indicated she would call and email me with the tracking number once the check gets mailed out. I received neither. 

It's XXXX XXXX XXXX  and I am yet to receive the replacement check. I called a few minutes ago and the phone agent wasn't of any help. I sent a secure message using the Loan Depot messaging service within my account login. The response I received from the Loan Depot representative is illogical and ignorant to the concern on hand. 

It's been six weeks and I find it unacceptable that LoanDepot would take such an insensitive approach to this issue. Please advice on the status and when I can expect receipt of the refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I requested to have my taxes and insurance removed from my escrow account with Caliber Home Loans. I received a response that my loan-to-value ratio is above 90 % ( for California ) This is a impossibility. I purchased my home in XXXX for the appraised value of {$400000.00}, after a {$20000.00} downpayment my original loan was totaled at {$370000.00}. My current principal is {$360000.00}. In order for my home to be higher than the 90 % ratio, my home would only be valued at {$400000.00}. Implying that in 3 years my homes value only increased {$1800.00}. 

Their own loan officer appraised my home value at {$430000.00} in XX/XX/XXXX while I was seeking out information to possibly refinance and my country tax accessor values the home at {$450000.00}. 

I presented this information to Caliber and re-requested the removal of taxes and insurance, in XX/XX/XXXX and I was yet again denied. Stating once again that I was above 90 %. 

I have ran out of options, and I feel that the mortgage company is stonewalling me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Notified by letter from USAA dated XX/XX/21 informing me that a Visa card was closed in error. When USAA was contacted a request to provide documentation from the CRAs showing my account was cleared and no impact on my credit had occurred. The response was that I would have to contact all 3 bureaus and it was not their responsibility. The fact is that closing any credit card account does in fact lower your credit score. It was closed although the account was and always has been in good standing. Closing the account was unauthorized and having me check my credit at my time and expense is unimaginable. USAA has a track record several years back of opening accounts in members name and was sanctioned and fined. Once again, USAA seems to operate with no regard for banking rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: World Acceptance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have no knowledge of this 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 2022-10-05
Company: EQUIFAX, INC.
State: MI
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts I have filed many disputes and have called many times trying to get this fraudulent account and six fraudulent inquiries removed. And I have had nothing done. I also have the police report number. 

Accounts & inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Investigation took more than 30 days

Complaint:
I previously disputed a derogatory item I found on my credit report with equifax and sent them an affidavit denying that the debt is mine and and when they said they verified it, I sent another affidavit. Requesting proof of the verification methods in which they used to verify this debt as accurate. I sent the affidavit asking for verification of the methods they used on XXXX XXXX and they have still not responded. Which is a violation of the FCRA. As it has been more than 30 days since they received my dispute letter and have not responded nor have they corrected the issue.

Company response to consumer: Closed with explanation