BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: Navient Solutions, LLC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
I borrowed some money to pay for my loan students balance with Navient. I was given a pay off amount of XXXX a check for that amount was sent to pay off my balance. The check was received and cash on XX/XX/2018. The balance never cleared from the XXXX, XXXX until XX/XX/XXXX. I kept calling the company wondering why the balance still the same, they kept telling me that the check was not sent to them and probably was sent to the wrong address. I called the bank that issued the check and said that check was received and cashed on XX/XX/2018. I sent a copy of cashed check provided by the bank the week of XX/XX/2018. I called again and said to the person who answered the call that why the check was cashed if it went to the wrong address, kept blaming me and said if you send the check to the wrong address. I said i sent the check to address provided on the website that say it is for borrowers only. today XX/XX/2018 i checked Navient 's balance and there is a balance of {$170.00} i called right away and asked for an explanation, i spoke with XXXX ( XXXX ) and he said that that was the interest that i owed from the time of XX/XX/XXXX to now, but the check that i sent with the pay off balance amount was cashed on XX/XX/2018. I can not pay interest on a money that i did not owe. If the check i sent was cashed on XX/XX/18 by Navient why I still owe money four weeks later after sending the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is currently reporting to the credit agencies that I still owe a balance although the account was settled in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the evening of XXXX XX/XX/2023 I received a credit card statement in the US mail from XXXX/Comenity Bank stating I owe them {$1000.00} for a purchase made on XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX, NC. 

I live in XXXX XXXX, MD. I do not have nor have I ever applied for a credit card from XXXX and I've never been to XXXX, NC. I've reported this fraudulent incident to XXXX, Comenity Bank, and all three credit reporting bureaus. The incident is currently under investigation with Comenity Bank ( the credit issuer ). 

I have also filed a report with the XXXX XXXX Department ( report # XXXX ). In the report I asked the PD to please contact the XXXX store in XXXX XXXX to ascertain who made the transaction on XX/XX/2023 for {$1000.00} via a credit card under my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Re : Zelle XX/XX/21 {$370.00} Currently on hold with XXXX  XXXX XXXX to halt the processing of this payment ... 

XXXX  me, attempted to buy soccer tickets on XXXX. I had my doubts but the seller kept reassuring me along the way. Once the money was sent he kept sending additional requests for money. I never rec 'd the tickets and the seller refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
negative items are scheduled to be deleted from my credit report and they still appear

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 2020-07-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every morning for the past month at about XXXX XXXX Enhanced Recovery XXXX calls to collect debt that has already been paid to the original creditor, XXXX and XXXX. This company has purchased these accounts. They never leave a message to have you call back nothing. Just straight robo calling nonstop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: IL
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 the credit bureau because I had 4 fraudulent accounts from XXXX XXXX  they were taking off my credit report because they were proving to be identity theft. One month later they were placed back on my credit XXXX XXXX account from a company named XXXX XXXX. Please investigate into this because under my fcra this should have not occurred so can we please look into this as soon as possible Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Their investigation did not fix an error on your report

Complaint:
I put an alert on XX/XX/ due to because of errors from creditors who are not unable to send me anything and the bureau still has nothing to verify but just giving a run around.

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 2022-08-06
Company: Experian Information Solutions 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:
I was notified that my information was on the XXXX market and there was some activity I did not authorize. I have tried to get this corrected numerous times but the credit bureaus have not did anything about it. This is hard on me emotionally and has been frustrating and need it corrected.

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 2018-09-29
Company: Experian Information Solutions Inc.
State: TN
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 submitted a dispute via mail on XX/XX/2018 to the listed address for each of the major credit reporting agencies with the hope that my Identity Theft case would finally be resolved, according to the rule of the Law in the Fair Credit Reporting Act, Sect 605b which states that a victim of Identity theft with validation shall within 4 days be blocked/deleted. This did not happen instead each Agencies stated they had 30 days according to their policy to investigate. Not only is this legally wrong, nothing ever happen.

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 2023-07-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been uptodate making payments to my XXXX XXXX card. 
They have not been sharing my monthly statements with me. I have been trying to make more than minimum payments to them but the balance doesn't decrease and they keep bringing up some unknown charges to me. 
The customer service us ride, they are not transparent in explanations. It's hard to get through them and when I question them, they are not able to give me answers and hang up

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 monetary relief
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
i pull my transunion credit report and found inquires that i did not approve and i would like to know why they are there and get them remove asap here are the inquiries that i did not approve XX/XX/XXXX XXXX XXXX  ... XX/XX/XXXX XXXX XXXX  ... XXXX XX/XX/XXXX XXXX.. XX/XX/XXXX XXXX XXXX ... XX/XX/XXXX XXXX  XXXX  ... XX/XX/XXXX XXXX  ... XX/XX/XXXX XXXX  XXXX ... These are all the accounts that i did not approve anyone t run my credit report its Fraud plz remove off 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 2020-07-08
Company: Experian Information Solutions Inc.
State: AR
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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$500.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$500.00} USDEPED XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}

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 2023-08-02
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Ally Financial secured the vehicle in XXXX of XXXX and has continued to report the same amount owed. In communications where we have requested the accounting, receipts, notice of sale, information relative to cure, etc. we have simply received notations that the matter is closed. We have also asked for the original contract and further communicated with all three consumer bureaus relative to who they spoke with that verified this false information. We have been stonewalled and continue to receive an answer that the debt is verified with no documentation or substantiation. We have continually made good faith efforts to discover the disposition of their recoupment, how this has impacted the alleged balance and further why they have not followed any of the NC laws related to repossession, but instead opted to continuously, purposefully and willfully report inaccurate information that has damaged my credit reputation. The balance of {$11000.00} is grossly inaccurate subsequent to the recoupment. This balance has been reported for over two years ( since XX/XX/XXXX ). The payment history is also inaccurate. In fact, when we disputed the information, they illegally updated their records and renewed their false reporting to the bureaus. We allege that they have engaged in false and deceptive business practices. They have admitted as much publicly as they have been the subject of litigation for this very issue.

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 2018-05-14
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have attempted to refinance our home mortgage for 4 years. Disputes with Ocwen have led to major credit rating misrepresentations. We have not been successful in refinancing. 
Ocwen offers a loan modification program. As our only alternative, ( WE ARE TRAPPED ), we applied for a modification and it was approved. The modification reduced our monthly payments by approximately {$2500.00} to {$1600.00} per month. The agreement was signed on XX/XX/XXXX and a payment due of {$1600.00} by XX/XX/XXXX. 
The payment was sent by certified check on XX/XX/XXXX. We received XXXX 's & XXXX 's statements for {$1600.00} ( El ) ( E2 ). Using bank auto-pay, checks for the proper amount were direct wired to Ocwen for both months. 
By XX/XX/XXXX, Ocwen 's statement was in-correct and indicated we were behind in payment. Their statement is not correct. We have been current on every payment. In-accurate accounting and extreme lag time built into Ocwens communication systems has created 4 similar disputes over the last 10 years. This is the most current dispute. I am documenting the other 3 disputes for publication within 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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 contacted Experian multiple occasions. This last one XX/XX/XXXX. Attached is the letter I submitted requesting an accurate investigation with proof of HOW they investigated. This was mailed XX/XX/XXXX. Today XX/XX/XXXX, a week later Im receive notice its verified. Being mail takes up to 3-4 days plus 2 day weekend, there is literally no way they did any investigation. 

This account again WAS NEVER LATE, never a collection or insurance claim. This was PAID in full XX/XX/XXXX. The couch is in my living room! 

Please accurately report or DELETE as it should be!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with CFPB # XXXX. FAY Servicings response was that they never receieved the signed documents back from us however we did send the signed notized documents i have attched a coy to this complaint maybe this will resolve our wrongful forclosure issue and we cant restart making our monthly payments soon. Thank you XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had to take off school for financial purposed in the spring of XXXX semester. I had full intention of getting back into classes during the fall semester of XXXX. However I had my my loan deferment period end because I was out oaf school for so long. I skipped the fall semester again to try to get more hours at work so that I could try to pay some of it back. Looking into to lowering my over all payments from month to month, I was able to file for income driven payments for my federal loans. My payments went to {$0.00} because I only make about $ 13,000- {$15000.00} a year. This helped me out. However when I try to solve the same problem with XXXX XXXX on XX/XX/XXXX for the balance of {$580.00}, they have no options for trying to solve my problem. I am informed that they have no options available to lower payments. They instead try to see if there are any family members or friends that I can borrow the money from to make the payments. Telling them no to this option, my only option at the time was to pay them {$150.00}, which doesn't get applied to any balance that is over due.This payment was just to stop harassment of 6-10 phone calls a day and the emails to me and my my father who is the co-signer. I agreed to this, however, I asked that that amount get taken out the following day so that I could move money into the account. My next step would be to pay in amount of {$580.00} by XX/XX/XXXX. The next day XX/XX/XXXX they attempted to take out {$300.00} from my account. The payment didn't go through because I didn't that much in the account at the time. After this happen the phone calls and emails started right back up again. On XX/XX/XXXX myself and my father got an email stating that if the account was not brought up to date by XX/XX/XXXX they were going to report me to the consumers reporting agencies. My father reported to me that he had paid the amount and that I need to just get enrolled in school again to at least half time to get the account to go back into deferment which I can do. Even though this payment had been submitted I still received a phone call from this agency about trying to make a payment. All of the phone calls and email have been documented and I have dates to along with them. I have been made to feel like that i have no true options beside bankruptcy. I am stressed about this everyday and it is always on my mind. I just wish there was a way to make it all go way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2019-06-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Commenity Bank makes repeated harassing calls to my work number that I have specifically stated to put on " not authorized to call number. '' They continue to call my work number repeatedly back to back and then leave threatening voicemails, violating my request to not call my work number. The representative makes 4 calls per hour and threatens I have until midnight to pay or seek an attorney. They are continuously making contact with my family members and harassing them for payments as well. When I call the Commenity phone number provided in the the voicemail with extension provided the representative states they do not know the person who left me a voicemail and advises me to provide them my personal information before proceeding. The representative I reach sounds exactly like the female that left me the voicemail on my cell and work number. Each time I call back the representative has the same voice just a different last name. And the conversation has a familiar context without me having to provide or divulge any information from the voicemail I was left on my cell or work number.

Company response to consumer: Closed with non-monetary relief