BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been making on time payments on my student loans for well over twenty years. Within the last two years I began making inquiries regarding student loan forgiveness for public servants and teachers ( PSLF program ) as I anticipate retirement. I made inquiries with the DOE through my congressman ( XXXX XXXX ).  I learned that my loans were " too old '' and under the wrong umbrella because they were taken out as XXXX XXXX loans ( which are also federally funded loans ). Discouraged at this, I began to ask myself questions that perhaps I should have been asking a very long time ago ... that being : Why is my account balance still so high? Why does the principal seem to stay so high? I 've been paying on time for so long, why do I still have ten more years of payments to make? 
Here is where my problem begins with my loan servicer, Navient. In XX/XX/XXXX I requested copies of the documents that were signed when I consolodated four student loans ( XXXX subsidized and unsubsidized as well as {$14000.00} dating back to 'XX/XX/XXXX-'XX/XX/XXXX ). I received the requested documents on XX/XX/XXXX. As I began to look over the numbers I felt certain things did n't add up. The signed Federal Consolidation Application and Proissory Note reflected a total consolidated amount of {$31000.00} on a form signed by me on XX/XX/XXXX. As I began to consider how long I 've been paying on my loan ( over 20 years ) I began to take a closer look at my account as it stands at this time and what my payment history has been over the years. Therefore, I called Navient and made several inquiries. One of which was an explanation as to how my loan balance could remain so high after so many years of on time payments? I was told in a phone conversation by the Navient representative that I was making " interest only '' payments for a period of six years and my principal was not payed down during that time. I asked the rep to send me a copy of the document indicating " interest only '' payments with my authorizing signature. On XX/XX/XXXX I received a document showing I selected the " Grad Choice ( SM ) Account '' and checked the box indicating " Two years of reduced payments '' and makes no mention of " Interest Only ''. This document was signed by me XX/XX/XXXX. So at a minimum, by XX/XX/XXXX my loan payments would have reverted back to a normal payment schedule. I feel this was a major mishandleing of my account by Navient that has cost me a lot of money. 
As of XX/XX/XXXX my account with Navient is as follows : Balance remaining : {$27000.00} Total principal payed : {$9700.00} Total interest payed : {$21000.00} I believe I have payed beyond what is reasonable in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RESURGENT Capital Services sent me a letter Dated XX/XX/2019, attempting to collect a debt that, I do not owe in the amount of {$1000.00}, which is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: CO
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 sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian Incorrect Names : XXXX XXXX XXXX Experian Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached

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 2019-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting a fraudulent collections account on my credit report. A tenant of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, rented an apartment in my name beginning XXXX, 2019 and squatted for 3 months without paying any bills or rent. This resulted in a eviction and judgment totaling {$7000.00} with attorney fees. When I learned about this judgment I reached out to XXXX XXXX and informed them I did not authorize a lease in my name and this transaction was result of fraud. I spoke to the property manager and forwarded her my police report, proof of address, identity and other supporting documentation. I was informed that any liability by me as it related to this account would be dissolved, due to this I figured the issue was resolved. Fast forward 2 months later, XX/XX/2019, a collection account related to the fraudulent apartment was reported to my Experian credit report in the amount of {$4700.00} by XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX  sold a knowingly fraudulent account to the collection agency which in and of itself is illegal pursuant to FCRA 615 ( f ) ( 1 ). 

I spoke to XXXX XXXX at XXXX XXXX XXXX on XX/XX/2019. He stated I should mail my documents supporting my fraud claim to their PO Box and it could take up to 30 days after receipt to complete their investigation and an addition 30-45 days to be removed from my report. I inquired on a fax or email to expedite the receipt of my documents and he stated mail was the only option. 

I work in XXXX and am currently up for a promotion.This fraudulent collection will hinder me from my promotion as a credit check and good credit file is a mandatory criteria. My supervisor will literally be puling my credit in the next few days according to an email I received. This account must be permanently blocked expeditiously.

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 2022-10-10
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:
XXXX XXXX XXXX  # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active transunion says XX/XX/XXXX, XXXX  says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!

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 2019-10-10
Company: American Credit Acceptance, LLC
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 status incorrect

Complaint:
I financed a car thru American Credit Acceptance. When I  purchased the car it had XXXX miles on it and was already a 10 year old car. The dealership convinced me that the car would get me to XXXX miles. In XXXX the engine went out and I was unable to pay the mechanic and the car note. The mechanic allowed me to make payments towards the repairs. I called ( XX/XX/XXXX ) my  finance ( American Credit Acceptance ) company and told them my situation before I went delinquent. They inform me that I would still need to pay my car note. Once my account was delinquent in XX/XX/XXXX it was now in the collections and I still tried to make arrangements with the company and they refused. XX/XX/XXXX I called again to make an arrangement and at this time they decided to settled for {$2500.00} and transfer title. I paid {$2500.00} and it is still reporting on my credit report as charge off collection. I would like this deleted from my credit report because I dont owe them anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient. Has contacted me four times outside of normal operating hours, on XXXX XX/XX/XXXX, at XXXX, once on XXXX  XX/XX/XXXX, and twice on XXXXXXXX  XX/XX/XXXX. I have never agreed to them being able to contact me during these periods. This is in violation of FTC guidelines. 

Furthermore, they were notified on XX/XX/XXXX that I would be stopping payments due to being affected by the Coronavirus pandemic. While private lenders are not required to stop loan payments, Navient has put a program in place to address this. They have, instead, opted to harass me by phone and add late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I called Flagstar Bank on XX/XX/2021 to start my Loss Mitigation process to start making my monthly payments after loss of income due to COVID19. I spoke with an agent in the loss mitigation department that provided the information to do two options : a streamline or loss mitigation application. I informed the agent that I wanted to do a LOSS MITIGATION APPLICATION and did not want to do a streamline modification. The agent said she would mail the loss mitigation application or I could print it off online and complete and mail/fax back. I followed up after two weeks to see if my application was received. The agent stated to call back in 2 weeks because it would take 4 weeks. This went on for all XXXX, XXXX, XXXX, XXXX, XXXX to XX/XX/2021!!!!!! Every month I called and was told by EACH agent in the loss mitigation team that underwriting was still reviewing my loss mitigation application!! Until I spoke to an agent that informed me on XX/XX/2021, that the loss mitigation application was closed in XXXX and the agent submitted a streamline modification in error and then submitted approval to extend my forbearance for three additional months. Which is NOT what I had asked for since XX/XX/XXXX. This agent advised that she would send me the application to complete the loss mitigation application and submit it back. I completed the forms and submitted and called every four days to confirm all documents were submitted correctly and was told I needed to send a letter stating that I do not have additional earned income and tax statements. Today ( XXXX ), I called because I received an XXXX overnight letter from Flagstar stating THEY APPROVED ME FOR ANOTHER STREAMLINE MODIFICATION!!!!!!!! I called and spoke with three agents and a supervisor and was told this was done in error and that he would close the streamline modification and would reopen the loss mitigation application again. That it would take up to four business days. They continued to give me the run around and prevent me from making repayments and making my account current. The streamline amount is MORE than my current monthly payment!!!! Which is why I need the loss mitigation application to be submitted. I need help to resolve this. A call back ASAP!!

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 2019-09-12
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
There was a technical problem with cash app called the number listed the representative that I spoke with told me they had a problem with the app he told me he would fix the problem so that I could transfer the XXXX to my XXXX XXXX account he could not do it so he instantly deposit the money on a card ending in XXXX it has cash out on my app but I dont have a cash card and I went online to my account it had pending then reversed so the payment never went to my bank but it was cashed out because my cash app is showing XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX : I received a letter from your office dated XX/XX/2021. Your company claims to represent the OAG regarding a purported debt I owe. This not only a false claim, but possibly represents a fraudulent matter on your personal behalf and your company. Please remove this claim immediately before I take swift legal action. I have already put the OAG on notice of my intentions ( in red ) : Dear Attorney XXXX : I received a collection notice from Revenue Group for {$6800.00}. The claim is that there are three account numbers with charges : Account Balance XXXX {$4200.00} XXXX {$310.00} XXXX {$2200.00} Naturally this supposed " collection agency '' has provide no back-up for these claims. Therefore, I believe this to be a claim and wish to report this probable illegal activity to your office for an investigation. Furthermore, I XXXX take additional legal action on the grounds of harassment. 

Thank you, XXXX XXXX Thank you for your consideration in this matter. 

Yours Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-12
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Threatened to provide information to my grandmother after being advised not to call her phone number anymore. The debt collector repeatedly keeps on calling her and advised her that I owe debt and call past XXXX in the evening sometimes XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: Experian Information Solutions 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:
On XX/XX/XXXX, a collections account was reported by XXXX XXXX XXXX XXXX for XXXX to the company of XXXX  XXXX. I was without insurance and going through a divorce with no job and this was difficult to pay off. I was able to pay it off in full on XX/XX/XXXX. 
My credit is now much higher with XXXX and XXXX  both higher than XXXX and allows me to begin building my credit profile and ultimately buy a home. 
Experian however refuses to remove this account. I have disputed this and been denied. I have contacted them on XX/XX/XXXX and the representative told me they would be keeping it on my account until XXXX as allowed by the law. I asked to speak to a Supervisor and they told me there was not one available. 
I have worked so hard to rebuild and taken the responsible steps of paying off my accounts. I have cleared every debt, paid off my student loans, and started on the path to rebuilding my credit and this one credit company refuses to allow me to move forward. I feel I have no recourse. 
Please, whoever reads this. Help me. 
I just want to get a house and give my now XXXX a home to grow the rest of his life in. In XXXX, when they have agreed they will remove it, he will be XXXX and moved out. 
This is an unfair burden placed on people trying to dig themselves out of a hole and as soon as they climb to the rim and see the light Experian kicks them back in stomps them in the face says live in there a few more years and fills that hole back up again.

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 2018-01-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
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:
XXXX of XXXX I completed a refinance with Cardinal Financial Company, as a part of our agreement, I agreed to pay Cardinal beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by Cardinal. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from Cardinal, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called Cardinal and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from Cardinal for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact Cardinal they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and Cardinal made the payment XX/XX/XXXX. Since that date I have continued to get bills from Cardinal with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: LA
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:
XX/XX/XXXX I call the front office at XXXX XXXX XX/XX/XXXXin XXXX IL. The lady said hold on why she talk to a XXXX and got back on the phone and said yes you can pay it late just bring the late payment as well. My rent was XXXX plus XXXX dollars late fee. As I get to the front office they denied even speaking to me on the phone and refused to take my money. And sent me to eviction court they knew I had a sick child that just got out the hospital I just started back working but I had XXXX kids and going threw a lot I was never behind just paid it late sometimes even with the late fees. I want to buy a house and cant because of this on my credit. Im on public housing now. I dont live in the state of XXXX IL anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation