BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
Company: Navient Solutions, LLC.
State: DE
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:
In XXXX my loans were consolidated FFEL loans. Over the years of my loans, I was. Federal employee with the Dept of the XXXX XXXX and was working toward Loan Forgiveness when 120 payments were made. During this time, when I spoke with Navient reps, they always confirmed my loans would qualify because this is what I was working towards and in XXXX when the US Department of Education and Student Loan Aid declined my application for Forgiveness I couldnt believe what I was hearing. I started working for Department of the XXXX XXXX in XXXX while attending college. I consolidated my loans not just for lower payments but to qualify for the Loan Forgiveness for Public Service. Well, I contacted Navient and told them I was denied due to type of loans I had and they did not qualify because they were not Direct Consolidated loans. They said that was correct and I could apply for a qualifying consolidated loan but the XXXX years of payments would have to begin again from start. At this point I did not trust Navient and left my loans as they were. Last year when other types of loans that did not originally qualify for forgiveness could now qualify under a short window of time, I applied and never heard anything so I called and spoke to a rep with the federal Student Aid program and was told the FFEL consolidated loans did not qualify and some words exchanged and I was told to make sure someone had their contact information so when I died they could call the Federal Student Aid office and then my loans would be forgiven. I got upset and said to her that after working 20 years in XXXX XXXX that the only way I would qualify for loan forgiveness was to die and she said yes. I am XXXX years old and still working in public service and worried about retiring with this debt, I am currently on a short term graduated pay plan to get my loans caught up after several forebearances at suggestion of Navient rep when I got behind. I dont know who to trust regarding paying toward a loan forgiveness for public service. Looking for some help. I know I am not the only person in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ON XX/XX/2020, I began an Application for XXXX XXXX XXXX with SPS Servicing. The covid situation prompted this. My income was being affected by the covid19 quarantine, and I thought it would be wise to apply for the assistant. They requested bank statements, unemployment documents, profit-loss statements, and tax returns. I supplied them with all the requested documentation within the allocated time period, and they came back, asking for more documentation. Based on my tax returns, they wanted 2 completely separate profit and loss statements. I provided them with an additional statement. They told me they needed updated unemployment documentation, I sent them the updated documentation, and they told me it wasn't what they needed. They wanted something that shows when my unemployment would end, so I got them an old document that shows when my unemployment would end. They accepted it. Then they came back and said that they needed a new profit loss statement because it had been a few months since I submitted the first one, and they needed updated statements. I submitted new statements. Then they said my statements showed I had personal expenses on the profit loss statement. I didn't have personal expenses at all, so I called to clear that up. They accepted the document as is. Now it's XXXX, and I'm beyond frustrated. I asked to speak with a supervisor. I told her XXXX XXXX XXXX that I would file a complaint. She listened to my grievances and assured me the issue had been resolved. A few days later, they called again, asking for more documents that I had already submitted. I told them I had already uploaded the documents, and they said I was fine. A week later, they called again, saying they needed more bank statements because they showed lump sum payments from unemployment that didn't match the weekly payments that were on my benefits document. I told them, no, of course, the amounts are different because I'm getting back pay in lump sums. Next week will be XX/XX/XXXX, nearly 4 months since I started this process, and I'm no closer to getting an acceptance or denial. They keep asking for the same documentation in different ways, or sometimes they are asking for updated documents that I've already submitted because so much time has passed. Meanwhile, the clock is ticking, and soon I'll have to send brand new documents all over again. I have expressed my frustration several times. I have requested they tell me everything I need and they refuse. They keep dragging the process out. I need these issues resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
I sent this company a dispute letter over a month ago asking for the inaccurate information to stop reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been XXXX  for XXXX years XXXX to XXXX I have all the proof of XXXX  I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from XXXX  and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my 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 2023-06-09
Company: Flexible Finance, 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:
Flex finance is stating I owe the XXXX for paying my rent in XXXX of 2022 when they did not pay my rent. I have been trying to talk to a person about it for almost a year and is not able to I even tried to login to the account they stated I had and has been unsuccessful. My lender has also been trying to reach them. This is effecting me financially and causing financial hardships for me and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have SLS loan home moergage i Never choose this company but XXXXXXXX XXXX  Sell my loan to SLS MORTGAGE these are very unprofeesional Not sending Correct Report to CREDIT BEAURE EVEN MY MONTHLY PAY MENT NOT REPORT last 7 months my another bank denied to increse my credit line they said you have high mortgage payment not paying on time when i call SLS they threaten me even and they said you call them tell them credit beaure Credit beaure said we are not listing customer we listing bank we work for lender not for customer SLS SOUND LIKE THEY ARE XXXX for XXXX $ they sent report loan moidification but not ask me for escrow payment 1.. please update monthly payment to credit beaure no HIGH Balance and if possible seel my loan to another bank i hate SLS mortgage name very shamefull peoples well trained to excuse andd threat to customer

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 2021-12-30
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Someone did a transfer on my Western Union account and I was not told nor did I authorize this transaction. As I have been experiencing identity theft for the past couple of years, I did not see this activity until recently when my sister sent me money via western Union. I contacted them and they said there was nothing they could do as it had been too long and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an account for ten years with XXXX XXXX XXXX which was bought out by Capital One a couple of years ago. I have always made my payment on time and done so by accessing my account via the internet. 

Last year ( XXXX ) I filed bankruptcy on a company that I had, but did not include my XXXX account for several reasons ; 1 ) I have the motorcycle with a small balance I needed to keep, and 2 ) There is a co-signer on this account. 

This account was started with the purchase of my motorcycle ( XXXX XXXX XXXX ) and for some reason it was put on a credit card with an additional {$10000.00} credit limit. I never did understand why it was done this way. 

During and after my bankruptcy last year, I have continued to make my payments! 
Sometime around XXXX of XXXX I was no longer able to access my account via the internet, nor have I received any statements regarding my account and have not idea how my payments are being applied. 

I have called them ( Capital One ) every month and all I get is the same none sense. Basically, No one seems to know what is going on. I was finally given an email address to send my request to ( XXXX ) They have refused to give me the payoff amount on my motorcycle of witch they have the pink slip and refuse to cooperate in any way other than they to seem to have no problem cashing my checks. 

I look forward to your help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: FL
Product: Credit reporting 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:
EDFINANCIAL Account Number XXXX {$7000.00} EDFINANCIAL SERVICES Account Number XXXX {$3800.00} EDFINANCIAL SERVICES Account Number XXXX {$2900.00} EDFINANCIAL SERVICES Account Number XXXX {$3200.00} EDFINANCIAL SERVICES Account XXXX XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-21
Company: Experian Information Solutions Inc.
State: NV
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 checked my credit report and noticed XXXX XXXX opened on XX/XX/2021 for {$1400.00} under the name of XXXX XXXX XXXX with a monthly payment of {$120.00}. I already disputed it twice and it just comes back with update. I haven't made any new accounts this year, nor have I gotten a loan. The last account I opened was with XXXX XXXX last year, so I don't understand how this new account opened. Let alone with my information. I haven't called the company directly because I'm afraid it may be a scam. Please fix this issue, I've already taken precautionary routes such as changing my passwords, and locking my credit file because I don't know how this bank got my information when I haven't opened any accounts nor bought anything nor asked for a loan this year. The last account I opened was XXXX XXXX last year, and the last time I asked for a loan was with Oportun which I just finished off paying recently.

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 2023-09-14
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I received notification from XXXX that one of my orders had a denied payment. I checked this account I'm complaining against, and there is no explanation, nor is there record of the in question transaction in a place I can see its status. I attempted to contact their online staff, and the chat was closed after awaiting the second in staff transfers. I could not reopen the chat. I have attempted to again, since yet again, this morning, the transaction fails. I wish to find the root cause before a institution I'm paying perhaps charges me a denial fee, late fee, interest, or some services I have cease to function. The " virtual '' shrugging of the shoulders doesn't suffice. I desire to know root cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-29
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: Information belongs to someone else

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassment! Calls up to 10 times a day from the same number XXXX XXXX XXXX XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to me.

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 2020-12-09
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was closed they never gave me a reason they don't want to give me my funds They give me run around call Customer service is what they say I called customer service and they tell me the manager needs to talk to me but no!! He says to talk to representative I need help getting my money I'm going to stressful times of being unable to get access to my funds I can't concentrate at work it wearing me down I got bills to pay it's been over two months no money has been released or no check has been processed help me get my money back

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 2023-07-04
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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