BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To whom it may concern : Thank you for taking the time to look over my complaint concerning Navient. For years I have been a prisoner to Navient. When I decided to take out a private student loan with Navient ( formally Sallie Mae XXXX, I intended to make enough money to repay my loan. Unfortunately, I was not able to pay due to my low income. I asked for forbearance and a deferment with Navient. Yes, I received both, but I was still not able to pay. Years later, I applied to a program from Navient called Rate Reduction Program with Extended Repayment. I thought the program would suit my needs due to my low pay. Unbeknownst to me, the payments go up every six months. For last six years, I've been making on-time payments because I was able to be in a position where I was making a little more money than before. I was still struggling a little bit because I also have a hefty federal student loan to pay for and other bills. Now, my payments with Navient are {$480.00} and will go up again in XX/XX/2021. I do not have a problem paying the bill, but I do have a problem with the payment going up every six months. I can NOT afford the payment going up because I have other bills to pay. What I am enduring is an unfair situation for me. I tried to get my loan refinanced with Navient ; the application I applied to was denied. I tried talking to a manager, but I will get the same story : " the payment can not be lowered ''. One day, I was disrespected by a representative stating : I should've thought about paying loans before I started school. Navient is practicing unfair treatment concerning their consumers. Every-time, I try to take a step forward, Navient is holding me back. I feel like Navient does not care about their customers and what they go through in life. I would love to have my bill lowered and at a fixed rate ( not ) variable. If someone can please help me with this situation, I would greatly appreciate it. I have attached documents showing that I have been making payments and the payment going up. Also, where the loan started at {$18000.00} to now {$61000.00} due to interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Tate and Kirlin Assoc
State: TN
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:
Received correspondence from Tate & Kirlin Associates to collect a debt for XXXX. 
I informed XXXX to terminate the services because the security service never worked because of the internet connection. Previously I made several calls to XXXX requesting the service be repaired or terminated because of bad services. I wasn't in a contract when I requested the services be terminated. This debt was previously with XXXX XXXX XXXX. I also informed them I didn't owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 looking for a lone and went to the XXXX XXXX XXXX site which is located in XXXX Alabama. I started filling the application but never finished it and never submitted a completed nor uncompleted application. I closed the browser out and never went back to the site. A day later I receive a alert that my credit had been ran and I had a new Hard inquiry on my credit. I never authorized anyone to do this at this XXXX XXXX I did speak to a gentleman that stated he was working from home and that he would get this fixed right away. Its been over 2 weeks and it still showing on my credit. I would like help getting this resolved.

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 2017-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto installment loan with Fifth Third Bank in XXXX, Ohio, which is due on the XXXX of each month. I ALWAYS pay this payment on the XXXX of each month. I have never once made a late payment on this account. Additionally, I have two separate credit cards which have bills due on the XXXX of each month also, whose mailing addresses are also in XXXX. Miraculously, the checks for these bills are always cashed on time ( before the XXXX ) and always make it to their destination within three or four days, but inexplicablythe payment for Fifth Third often does n't. Is it possible the U.S. Postal system takes extra long to get to Fifth Third in the SAME CITY as my other two payments sent at the same time? I do n't think so ...
Four or five times this year alone, Fifth Third Bank has changed me late fees in the amount of {$83.00} each time. Not only is that an outrageous amount for a late fee, my payment were NOT late!
Fifth Third has a habit of doing this. There are even a few Internet websites and blogs dedicated to consumer complaints about Fifth Third Bank. Their over-charging and erroneous assessment of late fees is a major complaint. Please feel free to look yourself ( see attached documents ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
From XXXX, I was able to obtain my credit reports from XXXX and XXXX. Equifax claimed they could not deliver my report online and needed further information, which leads me to believe they have fraudulent information. They were unable to provide the report electronically today via several phone calls to their regular customer service line and Global Consumer Care team. It is vital that I receive this report today, as someone has fraudulently opened a XXXX account in my name and purchased two phones, for which I received the bill yesterday. It is unacceptable that I am not able to receive my report from Equifax in a timely manner ( mail in a copy of my W2 and other sensitive information, when USPS has been unreliable?! ), as my identity has clearly been used fraudulently and I potentially have other issues to resolve.

Additionally, on two separate calls, they tried to SELL me either a credit protection service, or to get me to PAY for my credit report, both of which are appalling responses for someone trying to obtain their credit report during a stressful event such as identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX# XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you

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 2023-01-29
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: Account information incorrect

Complaint:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in XXXX  days. The credit agencies have failed to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
On numerous occasions, I have filed a complaint with the CFPB regarding the violations that Transunion is doing. My past complaint numbers are XXXX, XXXX, XXXX and there is more. I sent Transunion several letters and ask for verification and validation of the bankruptcy that is reporting on my credit report and to date, Transunion is violating my Fair Credit Reporting Act rights 609 and 611 by not responding and validating where they received the information. I also spoke to several reps from Transunion and they advised that they validated the debt via the bankruptcy court. I have attached a document that the bankruptcy court mailed to me stating that the do not verify such information. How is it possible that they can report items and not verify where they receive this information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( Agencies ) are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2020-11-17
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email claiming I owed PayPal {$470.00}. I Called the number on the email, XXXX. The caller had me download XXXX which they used to access my bank account. I foolishly helped them do this - not Smart! Lost {$500.00}! 

There's the email : -- -- - Forwarded Message -- -- - From : XXXX Account XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/2020, XXXX XXXX CST Subject : Bill Payment Received I'm an image I'm an image Hello This is just to let you know that your order has been confirmed. 
Instruction to merchant You do not have any special instruction for the merchant. 
Payment Method : XXXX XX/XX/2020 Purchase ID : XXXX Payment XXXX Issue with Transaction You have 24 Hours from the date of the transaction to open a dispute. 
For assistance Call XXXX. 
I'm an image Alternate text Please do not reply to this email. This mailbox is not monitored and you will not recive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XX/XX/2020 accounts were updated on Equifax to balance of {$0.00} and paid. On XX/XX/2020 they removed the updates from the accounts and significantly dropped my scores. 

XXXX XXXX XXXX Credit Card {$1600.00} XXXX XXXX XXXX Auto Loan {$4500.00} XXXX XXXX {$720.00} I am attaching the letters from the creditors that it is to be {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan was Paid in Full on XX/XX/2018. Balance still showing and loan is still open on my credit report. They refuse to update per their own reporting guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: MD
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:
YOUR COMPLAINT XX/XX/XXXXXX/XX/XXXX I had applied for a credit account with them in XXXX. It was approved for {$200.00} I never used it and it eventually closed in XXXX due to no use. At the time when they closed it they reported it as a charge off and a bankruptcy which it was not. Since the account was never used there was no amount to charge off or to include in any bankruptcy. I contacted XXXX XXXX / XXXX XXXX and was told my account was never negative and it was never used hence the reason for closing. At that time they informed me to dispute it with the credit bureaus by which I did dispute with Equifax, XXXX  and XXXX  three times. On each occasion they stated the account was accurate. I then called back to the credit bureaus and was told this is the information that XXXX XXXX XXXX gave them. I questioned the credit bureau for proof of this delinquency and what was given to them as verification that this delinquency and negative credit rating is incorrect. I got a letter from all three stating that they would not dispute the same thing and for me to contact the creditor. Shortly after I disputed with the creditor XXXX XXXX XXXX  more than two times via certified letter and no response was given. I went back to the credit bureau for the information to be corrected and updated. At that time I pointed out to them that according to their credit report as of XX/XX/XXXX to the current date there has been no activity, no scheduled payments and no high balance reported for this credit card since opening which proves that this account was never used just opened. Basically till date I have been denied the right to a fair and accurate credit report that has subsequently caused defamation of my character to potential lenders due to the negligence of XXXX XXXX XXXX , Equifax , XXXX  and and XXXX  . I  immediately request that this information be corrected to reflect never late, the account status of charge off and included in bankruptcy be deleted. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my XXXXXXXX Equifax and XXXX Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contact by an outfit called XXXX XXXX XXXX about an Exxon/Citibank credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from Citibank with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX.
This XXXX XXXX outfit is very sleazy and unprofessional They catch people off guard and out of the blue.

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 2020-02-22
Company: EQUIFAX, INC.
State: NY
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 have an account reporting negative activity on my credit report that is currently older then 7 years old since any activity on the account. The balance on the account is approximately 4100. However most of this is just interest and I was young and stupid and couldn't keep up with high interest rates. Accounts in collections should only stay on credit reports for 7 years, and im getting information that this negative account will not come off for another 3 years. Seems the lenders are taking advantage here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Northwood Asset Management Group
State: MI
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 had a personal loan that was transferred over to Northwood Asset Management Group after missing a payment for 61 days due to the current global pandemic. They have repeatedly called me and my place of work making threats about garnishing wages and suing me over 2 monthly missed payments. Mind you, I was not notified about this change and had no idea who they were. On XX/XX/XXXX they called me again and threatened me by stating they would take me to court if a payment was not made. They then sent me an authorization form for my approval to remove funds from my account the first of every month in which I did NOT sign or give my approval. Come XX/XX/XXXX, they withdrew {$300.00} from my checking account that was not authorized. On XX/XX/XXXX, I called to find out their reasoning behind this and was threatened again and told " they would come after me '' and send my employer tax forms to garnish my wages and that if they received a XXXX for every person using the pandemic as an excuse - they'd be rich. I asked why he had zero respect or understanding as to what was taking place and why he felt they could process any payments without my authorization. He then proceeded to threaten me with the " tax forms '' being sent to my employer again and actually hung up on me by saying he has been nothing but respectful to me during this time and will not continue any further conversations with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
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:
Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.

Company response to consumer: Closed with explanation