BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Back in XXXX I was XXXX years old and remember being very diligent about my finances and accruing student debts. I applied for as many scholarships and grants that I could qualify for with the hope of receiving as much financial assistance that I could to utilize towards furthering my education. In XXXX I enrolled in the University XXXX XXXX XXXX where I finished my XXXX XXXX. I did this because while attending that school the tuition was roughly half that of the main campus at the University XXXX XXXX. I did all of these laborious tasks to cut down my costs for higher education. After receiving my XXXX  degree and not being able to afford to repay my student loans, I called your organization to hear my options and ask for assistance. I signed up for the deferment plan versus an income based repayment plan because the representatives stated that deferment would be the best option for me based on my financial situation. I feel as though I was mislead by not being advised to utilize the income based repayment plan, which would have been the best option so that I would not have had to use finite loan deferment time while also accruing more interest on the loans. 

Once I graduated with my XXXX degree, I realized that I couldnt afford to repay my student loans even though I was working two part time jobs. Around XXXX I was finally advised by your representatives to enter an income based repayment plan. In XXXX, I moved to XXXX XXXX, CA and it took me roughly 4 years to gain employment where I could finally afford certain necessities such as health insurance and a 401k account. Less than a year into that position, I am now required to pay student loans that I simply can not afford. The cost of living in XXXX XXXX is almost 50 % higher than the national average and in order to live in accordance with societal expectations, one must budget accordingly. The monthly payment estimator on your website states that in the current program that Im enrolled in, I will owe $ XXXX/month. That is upwards of 20 % of my take home income. The estimator does not take into consideration the cost of living expenses for residing in a more costly city like XXXX XXXX, which makes it more difficult to save towards any future goals, such as buying a home or saving for retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have more than one inquiry in my report from load car finacial that I do not know

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 2018-08-14
Company: U.S. BANCORP
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:
The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached US Bank just added this last year.

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 2018-08-14
Company: Experian Information Solutions Inc.
State: MD
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:
30 days ago I mailed a letter to Experian asking them to verify the collection items on my account. Specifically, XXXX XXXX XXXX {$410.00} acct # XXXX and XXXX XXXX XXXX Acct # XXXX. 
According to the FCRA section 609 via physical verification. I asked for verifiable proof as in a contract that I signed. 

Experian was NOT able to provide proof- the accounts have NOT been removed from my credit report. 
I also asked that they remove incorrect spelling of my name, incorrect phone numbers and incorrect addresses. The incorrect items are still listed.

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 2018-03-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! please help

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 2018-03-22
Company: Fay Servicing, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job of 35 years in 2015 and have been trying to get Fay Servicing to give me help or a modification on my loan. they told me no loan because I had one 10 years ago and when the offered a modification it would reduce the mortgage {$27.00} and the representative did not explain the whole process because I'm in a chapter XXXX and would have been some special circumstances included they failed to tell me that then the 3 months expired for the modification they then moved to foreclose on my property that I have worked hard to pay for over the last 15 years. I have called email and spoke with previous customer helpers because I found some mortgage on my own and need a promissory note to get some foreclosure help and they have refused to give that information they have stopped all communications with me on help to save my home. This is the worst company I have dealt with concerning my home dept and they need to be put out o business. this is my 2nd complaint against Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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: Reporting company used your report improperly

Complaint:
XXXX remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX  has removed the item but XXXX and Experian has not. I've sent them I certified letters and they still have not removed the 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 explanation
Consumer complaint received 2019-10-08
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Consolidated loan from Nelnet, immediately got a text from https : XXXX. Reply STOP to unsubscribe. 

Scam, jail them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: DC
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:
On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and Equifax Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX  Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed today XX/XX/2018 that a checking account in my name had a very low balance. I use this account for savings for my upcoming 25th anniversary. When I went to activity I saw that a total of {$6100.00} had been withdrawn in 3 ACH ( Automated Clearing House ) transactions in the past 2 business days : on XX/XX/XXXX ( Friday ), XX/XX/XXXXXXXX ( Monday ) and XX/XX/XXXX ( today ). I reported it to the Bank immediately, but they told me that because there were other frauduent transactions on my account, specifically a XX/XX/2018 ACH debit for {$2.00}. Because I had not reported that transaction until now, the Bank is not liable to pursue any fraudulent transactions with this account. I told them I was not likely to notice a {$2.00} transaction but they told me that was the law. I've filed the fraud report with the Bank, but they informed me I should not expect to recover anything. In total I estimate the amount lost to fraud was {$8600.00} since XX/XX/XXXX but almost all of it since XX/XX/XXXX ( 60 days ago ). 

In the submitted documents, 10 transactions are labelled fraudulent. Of these 7 are XXXX ( shown in the documents labelled as " Markup ''. I also attach the XXXX 2018 statement which shows none of the fraudulent transactions and shows the two legitimate transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Never provided debt validation ( Duplicate bills ) for multiple accounts disputed with bureaus a few times listed on my credit report in full detail of medical services with 30 days. Never contacted or correspondence received.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is showing a " hard '' inquiry from XXXX XXXX on XX/XX/2018, that I did not authorize. I don't have any services with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: DC
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:
On numerous occasions I've reached out to XXXX  to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to Experian and XXXX  Unauthorized Inquiries via XXXX XXXX  on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from XXXX to remove these as they are still being reported on my credit. I reached out 3 times now to have XXXX remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a XXXX CC in XX/XX/XXXX, XXXX XXXX Called me personally fist to verify that it was I who submitted the application. Not only has XXXX not corrected this but they have admitted fault and are passing the buck. XXXX Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon XXXX and goes against normal company standards and protocols.

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 2019-02-18
Company: CITIBANK, N.A.
State: PR
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 inquiry from ( Citibank Na best b Televisin and radio ) today XX/XX/2019 Hard inquiry from sears/cbna complete department stores today XX/XX/2019.

Both inquiry wasnt made from me, I was advised by 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 non-monetary relief
Consumer complaint received 2019-05-25
Company: The Outsource Group, Inc
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in an auto accident in XXXX of 2017 at the fault of another party and suffered medical attention. All medical bills were to be paid by the other party 's insurance and we're never paid. This is not my debt.

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 2019-05-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Made attempts via certified mail to request verification of signature and comply to fraud alert on credit file. Company failed to comply for FCRA Guidelines.

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 2022-02-02
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-10-13
Company: CITIBANK, N.A.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have made a transaction of {$8000.00} on XX/XX/XXXX using Citibank online banking with option 'Add funds ' where I have put my XXXX by XXXX XXXX bank XXXX account credential to withdraw amount from this saving account. The amount {$8000.00} has been debited from XXXX XXXX account on XX/XX/XXXX but the amount is not credited back to my Citibank checking account. 
I got an email from Citibank on XX/XX/XXXX that the transaction has been failed and the money will be credited back to my saving account within XXXX business days. Its been more than XXXX weeks now but I haven't received the money back to my XXXX XXXX account. I have called XXXX XXXX and Citibank customer cares for more than XXXX calls ( every XXXX days XXXX and every time I get response that this will be resolved within XXXX hours which is not done yet. 
XXXX XXXX bank representative says that since you authorized this transaction so the fund was released so need to check with Citibank. When I call Citibank, they say the fund was not released by XXXX XXXX so need to check with them only. 
In order to resolve this I conferenced them together ( XXXX bank representative and Citibank representative XXXX on call on XX/XX/XXXX and that time XXXX from Citibank said that the problem is with Citibank and we will resolve it from Citibank side but this is not resolved yet even after passing 1 month since that call. 
Since this is very big amount and I am not sure where is my money so I am currently depressed and not sure when will I get my money back. 

Request you to please ask them to return my money of {$8000.00} back. Thanks. 

XXXX, 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 2019-05-21
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a conventional loan with PHH mortgage. I reached out to them to get a refi and cash out a little equity in my home. They steered me to get a FHA rather than another conventional loan. They stated that I did not qualify for the any other loan other than an FHA and after having a family friend who is a loan processor look at the information, that just was not the case. I was told that they could have offered me another product and they failed to do that. I wish to file a formal complaint as I believe this is exactly what got us into the house crisis in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
State: AZ
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:
The following accounts listed on my Equifax credit report is fraudulent and keep reappearing on my credit report : XXXX XXXX XXXX for credit card account, {$22000.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card account, XXXX XXXX XXXX XXXX credit card account and XXXX XXXX XXXX XXXX MasterCard credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: NY
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 a victim of identity theft

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 2019-02-18
Company: SUNTRUST BANKS, INC.
State: TN
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:
Ive contacted Sun Trust serveral times and just get the run around. I recently sent them a copy of my Identity Theft Report from the Federal Trade Commission along with my driver lisence and social security number. I got a letter back from Sun Trust saying they need account number and specific information being disputed. They have all the information from me. I cant help they let someone open up a account in my name without getting ahold of me first. If they wouldve paid attention to my credit reports theyre been serveral fraud alerts on 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 2018-08-15
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX to inform them of my unemployment status and that I will not be able to repay the loan which I took out in XXXX of 2018. They still proceeded to charge daily interest and send me emails, threatening letters in the mail and also call me at random times during the day. I sent them a letter notice that I am still unemployed in XXXX as well XXXX and they will not stop the harassment. I even reached out to a free legal aide service and was told they could not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions 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:
Submitted a " dispute request '' on XX/XX/2018 concerning XXXX XXXX XXXX, XXXX. 
Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account. 

On XX/XX/2018 received email update concerning dispute result. 
XXXX XXXX XXXX remains on 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 non-monetary relief