BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX XXXX and without warning, Navient has started charging me {$440.00} in addition to the {$130.00} that I have been paying while a student. After ringing the company, I have been told that the maximum in-school deferment has been reached for XXXX XXXX XXXX XXXX XXXX XXXX, which is why the sudden increase of my payments was made, though completely without warning and without my authorisation. I have been making regular payments of {$130.00} for many years and never been in default, so when a sudden and unexplained increased to my monthly automatic debit occurred, I reported the transaction fraudulent to my XXXX XXXX. Navient refunded the money, and we began working on my situation, which required me to submit several {$50.00} payments for additional months of deferment while processing my case. During the months that followed, I worked with Navient employee, XXXX XXXX, who sent me a financial worksheet to complete to identify options for lowering my payments while completing my research degree. I am a full-time student at the XXXX XXXX XXXX XXXX XXXX who receives a studentship for fees and accommodation, and supplements my limited income through 10hrs a week employment with XXXX XXXX XXXX ( a US owned company based globally ). Because I am a student in the XXXX, I am limited to 20hrs a week employment while studying. I can not manage my school load when working anything more than the 10hrs I received from XXXX. The feedback that I received from Navient was that there were no options available because my monthly income was too low and they requested that I borrow money from friends and family to make the monthly payments they are demanding. They would not consider my in school situation or make allowances for the strain full-time study places on me financially. I am at the end of the planned deferment allowance and in danger of this loan going into default. All my other student loans are in good standing and in-school deferred until I complete my course in XXXX XXXX. 

On XXXX XXXX, I was made aware that instead of keeping my student loans in IBR in XXXX, as I had intended to do to help alleviate the pressure of extending the student loan period included in the IBR, was set to in-school deferment in XXXX. At present, all my student loans that can be placed in in-school suspension are. I fear that this has cost me years of my loans placed in IBR, which I understand to have put me into a less fortunate situation. Please note this is an additional complaint to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Account information incorrect

Complaint:
I checked my credit report and I noticed numerous violations and inaccurate information on my credit report and then proceeded to contact the credit reporting agencies that were reporting the violations and inaccurate information but they did not fix the numerous issues.

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 2021-11-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im closed on my home on XX/XX/2021 and the first payment was due on XXXX to XXXX XXXX, I made the payment to XXXX XXXX on XX/XX/2021 and on XX/XX/XXXX I received a letter from XXXX XXXX stating that they had sold my loan to Pennymac on XXXX but that they failed to send me notice on time, and that any payment would be forwarded to my new loan servicer Pennymac, after almost 4 months Pennymac hasnt received the payment I made to XXXX, I have explained the situation to Pennymac and send them all the supporting documents theyve asked, prove of payment to XXXX XXXX, today I received an alert from XXXX credit report that Pennymac had flagged my account delinquent, Pennymac continues to harass me and every time they call I have to explain the situation, they promise they would take care of this issue and not report any lake payments to my credit report but they still did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I have purchased multiple commercial lawnmowers for our XXXX XXXX XXXX. I have had repeated issues with the lawn mower, that the manufacture would not support even though it was under warranty. This was a large purchase around XXXX for the lawnmower. I have also tried to reach out to Synchrony Bank as well for support with no resolution. The lawnmower was unusable and after a few years I stopped making payments. The lawnmower was about 80 % paid off already. I stopped making payments around XX/XX/XXXX. Synchrony / XXXX is still being reported on XXXX XXXX XXXX. I have multiple times contacting the credit bureaus and they refuse to remove this outdated derogatory item.

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 2021-11-07
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I found the company through XXXX XXXX and applied. I received hundreds of emails, texts and phone calls that I was approved but needed to send documents to finalize. I provided all the proof. They ran my credit- a hard hit and said I need a co-applicant. Their advertising and emails are all lies and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted this bureau serval times informing them that upon review of my credit report i noticed that there were inaccurate and incorrectly reporting inquiries that i DID NOT consent to nor authorized. Yet these inquires still remain on my consumers report. 
XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2020-09-04
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with the representative from this creditor this morning XX/XX/2020 and they assured me that the account has been deleted from all credit bureaus after speaking with XXXX credit reporting specialist she disputed the items again based upon the documentation that I provided please delete the account from my XXXX  credit report as promised in your prior correspondence

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 2022-08-05
Company: EQUIFAX, INC.
State: MN
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX account # XXXX date opened XX/XX/2013. Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that they do not verify or provide information to 3rd party credit reporting agencies. How is it possible Equifax is reporting negative account information? Your assistance is greatly appreciated. Out 3 CRA only Equifax is the one that is reporting this account on my consumer credit report, not my account/ never had account with XXXX, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with the Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Letter This is a follow-up complaint to a complaint I filed on XX/XX/XXXX. Complaint ID XXXX. 

My original complaint was filed 6 weeks after the first fraud incident. 

It has now been 12 weeks since the first fraud incident ( 90 days ) and there have been no updates on the status of the investigation or indication on whether I will get my money back from the two fraud claims that I filed in XX/XX/XXXX. I have received a call from Citizens Bank from the Office of the President after filing my original CFPB complaint, and have also received letters from the bank dated XX/XX/XXXX, but only to let me know that the bank is still working on the issue. I have not been offered provisionary credit or a timeline as to when I will be credited my money bank. 

As I have been patiently waiting, I have endured several mistakes by the bank. The first incident I reported in my previous complaint letter, stating that the Collections Department moved money from my savings account to my checking account without my permission to true up a negative balance. The second incident occurred as a service charge for not using the checking account that had been affected by fraud and closed ( XX/XX/XXXX ). The bank also made an error when I closed the account immediately after the first fraud incident, only to have another fraudulent check written and cashed from my closed account ( it had not been put in credit only status. 

I am filing this second complaint with CFPB to demonstrate the banks negligence on the issue through the entire investigation and the numerous errors that have been made in the process. After 90 days, I still have no answers as to if or when I will receive the money that I am owed after being a victim of fraud. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MI
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:
I would CFPB to look at my account dates are wrong.

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 2022-03-30
Company: CBC Companies, Inc.
State: PA
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:
XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I 'm not sure if I selected the correct category to describe what I 'm going through but I had to select something. I attended a cosmetology school from XXXX. When I approved on their end and now I have to wait on an approval from the dpt of ed. I first went to the school for information on joining I did n't have a high school diploma. I was told by XXXX of the staff members that I can quickly get a high school diploma at XXXX XXXX school online. I took all information I needed to get enrolled, went home and got the diploma online and all other documents I needed then went and enrolled in the school which was then called " The Academy of Hair Design ''. The school was all out of whack, they did n't have any steady teachers in fact had me teaching the students how to braid hair. It was crazy and due to the fact that that school could n't benefit me and me losing my baby sitter I left after a few months in. I felt that we were n't learning anything at that time. So all of these years later I am thinking I have a high school diploma. Well recently, I have been inquiring about going back to school only to find out that my diploma is a FAKE diploma and the school XXXX XXXX XXXX was shut down for selling fake diplomas and doing fraud. I immediately went online to get the contact info for XXXX XXXX XXXX design to only find out that school was shut down and is now operation under a different name " XXXX XXXX XXXX ''. So I am now crushed to the bone because I have a FAKE diploma and now need to go get a GED mean while my oldest son will be graduating high school soon ( I 'm embarrassed ), and also both schools are shut down on me. So I 'm in a lose- lose situation. I should not be liable for this debt as I was tricked into getting it by both parties and I now have to start from scratch as a mom with XXXX kids and get a GED. These student loans have been haunting me for 9 years and I did n't even get anything out of it but a fraud high school diploma that is now trash. How can I tell my children that I do n't have a diploma when I 'm constantly on their backs about school. It 's so embarrassing and causing me XXXX. I filed for an " Ability to benefit claim '' with Navient. I called Navient and they told me it was approved by them and it 's now awaiting approval from dpt of ed. I called the XXXX of XXXX several times as I am trying to enroll in a GED program for XXXX but I need to get this situated. Dpt of ed is telling me they do n't have my file. I am lost, depressed, stressed, embarrassed, frustrated and just want these fake student loans deleted out of my and off of my credit reports so I can start over!! PLEASE SOME ONE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen from a women what found my information at a hospital. Instead of returning it, she imposed as I for 3 years until she was caught. I sent all 13 pages of the police report to XXXX, XXXX, and XXXX. I also sent it to all of the accounts that were fraudulently opened. 
Yet, 5 years later 2 companies XXXX XXXX XXXX and XXXX XXXX are still trying to have me pay the debt l didn't accrue. 
XXXX XXXX XXXX reps are terrible. Threatening to call all hours until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: ID Analytics, Inc.
State: PA
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:
XXXX XXXX is in violation of 15 usc 1682c they do ont have my written permission to have or furnish a report on my consumer transaction, addresses, name spellings etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Information belongs to someone else

Complaint:
I am interested in disputing all invalid data on my credit report with Equifax. all information listed is an error on my report please review an remove to correct my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Essential Lending Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under complaint XXXX the company stated they would provide the necessary information to credit bureaus to update the account correctly yet it has been more than 30 days and this account is still showing up as open with a balance owed and it should not due to this debt being XXXX through bankruptcy.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2021-05-11
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I asked to come out of forbearance on XX/XX/2021 and Flagstar bank did not process it. I continued to make my monthly payments on time and continued to call them to get it escalated to get this rectified but to no avail. After 3 months of constant calling them they finally got it done but they did not back date it to the date I requested it to be done. It now states that I came out of forbearance on XX/XX/XXXX which was incorrect. Now I can not refi on my mortgage and it is costing me upwards of XXXX in interest. They need to backdate my loan so I can refi.

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 2017-10-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against NATIONAL CREDIT SYST. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against LVNV FUNDING LLC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation