BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Myself XXXX XXXX and my wife XXXX XXXX were stationed at XXXX XXXX XXXX with the XXXX XXXX. I am still currently XXXX. We rented a house from XXXX XXXX XXXX located in XXXX XXXX, XXXX on XXXX. The address of the property was XXXX XXXX XXXX XXXX, XXXX XXXX. Upon receiving orders to our current duty station at XXXX XXXX, XXXX I gave XXXX the proper notification and established an appointment for a move out inspection for XX/XX/XXXX. The move out inspection was completed and signed by both parties to include XXXX XXXX XXXX. approximately 35 days on XX/XX/XXXX I received a bill from XXXX   XXXX XXXX for {$1600.00}. The damages from the Move-out inspection agreed to by XXXX XXXX XXXX would entitle me to {$800.00} of my initial deposit. The bill for damages did not arrive until XX/XX/XXXX which exceeds the 30 day limit by XXXX XXXX. Due to XXXX  exceeding the time line of the damages XXXX XXXX  states I am entitled to 11/2 times the deposit in damages by XXXX. The amount billed by XXXX  of {$1600.00} was in addition to XXXX XXXX XXXX withholding my initial security deposit of {$1900.00}. I first contacted their financial department with a letter disputing claims due to the close out inspection which is including in their contract. After they replied with pictures and ignoring the closeout inspection and including damages that were caused due to XXXX  workers that were hired to fix work orders and. I then contacted a JAG Lawyer Captain XXXX XXXX from XXXX XXXX XXXX who decided to provide legal assistance. CPT XXXX also called, emailed, and sent a letter to emerald property to include all evidence that proved XXXX XXXX to be erroneous in their attempt to collect on the debt. XXXX XXXX XXXX then sent the debt to collections without notifying me that they were going to do so or contacting Captain XXXX. I received a letter from Hunter Warfield Debt Collections  on XX/XX/XXXX. Captain XXXX XXXX then had to write a letter to Hunter Warfield stopping the collection under the fair Debt Collections Act. All evidence provided XXXX XXXX XXXX fails to address the correlation between the move-in and move-out inspection which violates their own contract which requires a move-out inspection which requires both parties to agree upon damages.

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 2020-10-09
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:
After reviewing my credit file, there are 2 fraudulent credit cards and a utility account opened using my information that I did not authorize. 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 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I received copies of my credit report from XXXX, Transunion, XXXX  and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.

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 2019-09-16
Company: Navient Solutions, LLC.
State: PA
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 am a former graduate ( times 2 ) of the now closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA campus. Admissions " counselors, '' financial aid " advisors, '' and other staff were very misleading about the ability to find a job with their programs. After graduating summa cum laude with a 3.96 GPA in XX/XX/XXXX, I realized that my degree was useless. Upon advice from " admissions counselors '' I could ABSOLUTELY go for the XXXX XXXX program to not only extend my deferment but to also " pad my resume. '' So, I did. They're admissions counselors right? They know what's best right? Sure. I graduated a second time with an XXXX XXXX XXXX in " XXXX XXXX '' to find out that it is also, worthless. I was working for a ( now defunct ) debt collection lawfirm as a XXXX  and upon notifying the head attorney of the firm that I graduated, he stated to me verbatim, " I'm not paying you more, I could have started you at {$10.00} an hour. '' I quit. Since then I've been working dead end jobs in fast food and retail just to get by, let alone pay for massive debt incurred from XXXX. Which brings me to the reason for my complaint. 


Navient never told me that I could qualify for an IBR or anything really until I was already in forbearance. I  explained to them on numerous occasions in XX/XX/XXXX-XX/XX/XXXX about this. They advised me that foreberance was the only option. So not only did I fall victim to a predatory school and believed their lies TWICE, but now, I'm stuck with a foreberance which could have been avoided. I have since contacted the XXXX the " escalated '' navient line, and I also filed a report with the ombudsman. 

Navient is predatory. XXXX, XXXX XXXX, and XXXX XXXX XXXX college are all predatory. This isn't right, and now we suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX and TransUnion are both reporting a public record on my credit file. On my XXXX they have the court listed for this public record as XXXX XXXX XXXX XXXX. First, I am not a resident of Connecticut nor have I ever lived there. Just to go through the process I contacted the court clerk at the court listed and they had no record of the published docket number as well as stated they do not report to the credit bureaus. When I asked XXXX where they received the information they stated that the court provided the information to the bureau and that was a lie. Transunion did not ever provide a court name for me to contact. Just as XXXX stated the court furnished this public record to the bureaus TransUnion is stating the same thing which is untrue because again no courts report to the bureaus. TransUnion does not even list a court name to contact, but as the clerk of the federal court stated NO FEDERAL COURTS OR ANY OTHER COURTS UNDER ANY CIRCUMSTANCE REPORTS TO ANY OF THE 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 2019-07-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for Care Credit, which was issued through Synchrony bank. Last month, out of the blue, they charged me {$1100.00} in early interest fee. I was told that I did not pay off the loan within six months so they charged an extra {$1100.00}. this is on top of the regular monthly interest charge that I am paying. No where when I applied for the loan was I told that I would have to pay an EXTRA {$1100.00} in six months. I never would have taken the loan from them. They are a rip off and claim that they were putting this on the statements. I was NEVER EVER TOLD THIS Initially, if so, I WOULD HAVE NEVER AGREED TO THAT. Why must I pay {$1100.00} in interest after 6 months on a {$7500.00} loan and PLUS pay regular interest charge every month. 

MY ACCOUNT NUMBER WITH THEM IS : 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 monetary relief
Consumer complaint received 2021-10-04
Company: KINGS CREDIT SERVICES
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : 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 2020-10-09
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Navient Solutions, LLC.
State: NJ
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:
When attending XXXX school I took out both federal ( with both subsidized and unsubsidized portions ) and private loans with Sallie Mae. At some point Sallie Mae sold my loans to Navient who is currently still my loan servicer. During the Covid-19 emergency it was announced that loans owned by the department of education would not accrue any interest. To my surprise my federal loans have been steadily collecting 4.5 % interests. Because I am on an income-based-repayment plan and every year I re-certify through the department of education, I continued being under the assumption that the department of education owns my federal loans. However when I called Navient they told me that my loans are charging me interest because they are not owned by the department of education and they are commercially-owned. When I ask for explanation they refer me to the department of education but the department of education keeps referring me back to the loan servicer, navient. Navient claims they were always commercially owned. Navient is also telling me that I will not be eligible for loan forgiveness till XXXX although my loans were first disbursed in XXXX. I'm entitled to an explanation. Why and when did my federally-owned loans become commercially-owned and why? Although I'm not fully employed and my income-based-repayment amount is XXXX, I've been making consistent payments of {$200.00} to cover the interest rate. I think I'm at the very least entitled to an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX   XXXX  ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX  XXXX Inaccurate DEPTEDXXXX XXXXXXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09
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: Account status incorrect

Complaint:
On XX/XX/2019, I entered into consumer credit counseling program which effectively closed all but 3 of my credit card accounts. Two of the major credit bureaus, XXXX  and XXXX, show that my account with XXXX XXXX ( XXXX  ) card is closed. Experian is  the exception. I've contacted the credit card company directly and they confirmed they have updated this information with Experian. I've filed 3 separate disputes with Experian and they have refused to update the status. I've attached the correspondence sent to credit card company, who confirmed they have updated this with Experian. I've also attached the disputes filed with Experian, credit report from XXXX XXXX, and statement from XXXX showing the account is closed.

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 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My debit card was stolen on XX/XX/2019 and I didnt find out until XX/XX/2019 because I checked my balance and there were unauthorized transactions made. 
The following transaction were XX/XX/2019 {$20.00} at a XXXX XXXX XX/XX/2019 {$200.00} at a XXXX XXXX  XX/XX/2019 {$210.00} at a XXXX   XXXX Once I found out about the unauthorized transactions I called the card company and cancelled my card. I then called and made a dispute to get my money back but My refund was denied because there wasnt sufficient evidence when I made the dispute. They then told me they would send me a letter in the mail In 7-10 business days saying why my dispute was denied and in the mail would be more forms to dispute the denial of my refund, but I never got a letter in the mail even after almost a month. I tried calling again, the company is still telling me that there are no new updates and the dispute team has been working on it but its been almost 4 month since I filed a dispute and I still havent received my refund for the unauthorized transactions.

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 monetary relief
Consumer complaint received 2019-07-02
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection company SOURCE RECEIVABLES M is trying to collect a debt that has been discharged in my bankruptcy. Please delete this account from my XXXX  and XXXX  credit report. The account shows a balance for {$1800.00}. The original creditor was XXXX. I already submit a dispute but they told me the information is accurate but is not. My lawer is aware about this situation and he told me they suppose to removed that information from my report,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: Home Point Financial Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When the COVID-19 pandemic began, I contacted our mortgage company, Home Point Financial to see if they would work with us as I was taken to half pay and my wife was furloughed, drastically reducing our income. I had been reading about other lenders working with their clients and allowing them to go into forbearance and tack on the missed payments to the end of their loan ... I was hoping for the same from our lender. The only option they offered was to have a 60 day forbearance with a balloon payment due for the missed mortgage amounts at the end of the 60 days or they would begin foreclosure proceedings ... which is creating an incredible hardship for us and doesn't make sense as to where we would come up with the funds with reduced income?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
According to a prior complaint submitted about Midland Credit Management through the CFBP, Midland responded telling me to reach out to them at ( XXXX ) XXXX ext. XXXX. I called and XXXX, a manager, refused to talk to me about my account. The company lied in their response to the prior credit and now they refuse to talk to me about my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I requested Transunion provide me with the method of verification for the accounts with XXXX XXXX XXXX XXXX # XXXX, # XXXX. All Transunion did was send results saying they updated the account. They never provided me with the method of verification showing how they have the right to report this account 100 % legally. 

I even reached out to XXXX XXXX XXXX XXXX regarding both accounts and requested a contract with my signature and documents to ensure the information is being reported 100 % legally and accurately. XXXX XXXX XXXX XXXX did not provide me with anything. Clearly they didnt have anything to verify the debt. So how was Transunion able to verify the debt. Well they did not. They are violating the FCRA by continuing to reporting unverified accounts.

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