BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: ORG GC GP Buyer, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by GC Services, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF  ED/XXXX Company Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred {$2400.00} to Robinhood Markets from my XXXX XXXX account. I did not purchase any investments with this cash. Robinhood has restricted my account without explanation and is asking to verify my identity before letting me withdraw funds. They are asking for a picture of my social security card, drivers license, and bank statement. I have a drivers license and bank statement, but I do not have access to my social security card. I am attempting to get a new social security card from XXXX but it has been challenging because all offices are closed due to covid. 

Robinhood is not responding to my requests to verify my identity in other ways, including providing a picture of my passport, copy of w-2, title to my home, proof of insurance, etc. They have not been responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!

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 2020-01-29
Company: Navient Solutions, LLC.
State: NY
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:
At XXXX XXXX  on XX/XX/XXXX, I received two emails from Navient. The first was an advertisement email about my repayment options. I have been in a {$0.00} IBR plan since XX/XX/XXXX ( re-certified from XX/XX/XXXX ). The next email was a monthly statement, which I have never received before. It informed me that I had a past due payment from XX/XX/XXXX of {$440.00} and that " You're all set with Auto Pay. '' I had not received information that my IBR or Auto Pay enrollment had changed. ( I didn't, as confirmed by the customer service rep. ) I went into my account, where my Account Summary did indicate that I had a past due payment of {$440.00}, but that the Status was " No Payment Due. '' Because I like to stay on top of my finances and I am able to pay a surprise bill, I submitted payment then called Navient 's support line at XXXX XXXX. 

When I spoke with the representative, she told me that she doesn't know why it was appearing I had a past due payment and confirmed I was still enrolled both my {$0.00} IBR and auto pay. The representative also said that she has seen it happen before and tat it must be a technical issue. She said they could get rid of the past due payment by putting my account into forbearance, which would take two weeks to go through review and possibly having the past-due removed. I told her I submitted the payment because I have no problem paying it. She said I didn't need to make the payment and asked permission to cancel the payment, to which I agreed. 

After holding to speak with her supervisor, she read me the terms of forbearance, which I learned centered around payment being a financial hardship. ( Recall how I told the representative I do not have a problem paying the amount. ) I had also asked beforehand if forbearance has an effect on my credit and if it would effect my eligibility for PSLF. She said no. 

When she asked if I agree to the terms, I said, " No. '' I then said I have a question. I asked if I pay the amount, the issue would clear when the payment processed she said yes it would. So I said I would just pay the amount. 

I also realize now that I probably wouldn't have had to pay the amount listed, since it 1 ) did not line up with my repayment terms and 2 ) was listed as No Payment Due. However, after ending the call, I submitted payment for the {$440.00} because I take my debt seriously and overpay my minimums. 

I am reporting this to the CFPB to show that Navient recommended forbearance to me when it was not appropriate for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: NV
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/2020 I sent out a method of verification letter to Experian asking them to verify how the investigated my dispute with XXXX. The sent a generic form of how they SHOULD do investigations but now how they specifically investigated mine. The did not show the course they took or how they went about handling it with XXXX. I sent over proof that XXXX had me in forbearance in XXXX with an IBR and  also school enrollment these years and letters from XXXX showing forbearance dates but is inaccurately reporting late payments on my credit report. XXXX originally sent me 22 pages of my forbearance approvals in my inbox on their system and then deleted all but 6 pages so I would not have proof, thankfully I screen shoot those images and I sent those items to Experian along with my school enrollment and yet they still verified the late payments were accurate with an E-Oscar method which is not a valid way to verify debt. I request that since Experian could not verify the method of verification on MY account they remove all late payments from all 13 of my student loans that I have originally requested.

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 2021-03-04
Company: SUNRISE CREDIT SERVICES, INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services is reporting I owe debt with a XXXXXXXX XXXX for tuition from 2016. I never attended XXXXXXXX XXXX and owe them no money. They have no records to support this debt and are refusing to remove the erroneous collection account from my credit.

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent dispute letter to Trans Union LLC on XX/XX/2017, challenging the accuracy of its reporting of inquiries ; employment ; promotional suppression ; name and address. As of date, I have receive no response.

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 2018-03-08
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My car in XXXX was Fanancial by ally they call me everyday and ask for money that I dont have my car was totally in XXXX I told them that I was not able to get pay and I had full coverage and gap insurance but they call and harassing me everyday.plus they have put the car loan on my credit twice.

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 2021-03-04
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX- I received a call at work. They did not want the person who answered the phone to get me just to give me a message. 

Caller XXXX XXXX Reason : " Someone has filed a legal complaint about XXXX. I am trying to stop them from serving papers '' Called from phone # XXXX-XXXX-XXXX  but I was to call back on XXXX-XXXX-XXXX-XXXX.  I called back and he told me that I owed {$3000.00} to Fifth Third ( I have not been with them for 12-15 years and closed account on positive note ) and court cost will be an additional {$2500.00} plus the 29.9 % interest that I keep accruing and if I do not pay I will have a court order delivered to my job in 24-48 hours. I told him go for it because I do not owe Fifth Third. I asked for backup and he could not provide. Also, said he sent papers to my house which I never received. Kept threatening me with my assets said they are being investigated now. Called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent an investigation request to Equifax and XXXX XXXX over two months ago.  They were supposed to respond with the results within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have applied and got approved for a loan. I did not expect the fees to be that high. They are charging me over {$1500.00} for a {$450.00} dollar loan. Each month they pull out about {$110.00} in fees. 

I have paid off my amount for the {$450.00} and more, to have fees this high has left me more in debt and they take advantage of that. I am being threatened fees if I do not pay. 


They have taken payments out each month for {$110.00} starting since XXXX. They took two payments out monthly. They are considered a sovereign nation and are a tribe doing the loans. I believe they are unlicensed. I am trying to get the fees I have paid back due to outrageous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Navient Solutions, LLC.
State: OH
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:
This second complaint is a response to the first complaint I filed against Navient. 
The CFPB was quick to close this case without getting a full disclosure from both parties. 
I demand from them on the full securitization process/inquiry current update of the XXXX. 
XXXX XXXX XXXX are Trustee on this account based on the forensic audit report done. 
That why I requested documents regarding this account ( s ) as outline in my first complaint, but Navient never response to my request. No request as proof to CFPB, the credit bureaus nor me the consumer. 
If XXXX XXXX XXXX showed up on a audit report, would it be to that person interest to find out why, how and provide documentations of their claim. 
Navient failed to provide any SEC reports, XXXX # and filings regarding this account as requested. 
Failed to validate debt, disclosure of securitization process of the MPN/PN etc ... to the consumer. 
Those acts construe violation of XXXX. I demand a reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received letter in the mail from Convergent Outsourcing Inc, a supposed collection agency offering a reduced balance of a XXXX balance owed. 
I moved to this address not 4 months ago and have never had XXXX here or anywhere. 
I had XXXX XXXX internet without XXXX for the last 4 years but cancelled it when i moved to my new house. I verified with att and balance is {$0.00} and account is closed. the XXXX account on the scam letter is not even the same one i had with XXXX. 
The letter looks very carefully redacted and looks very official, but it is a scam. I searched online and saw dozens of other people being sent the same letter and suggesting it be reported to see if the company can be stopped from sending similar letters to less resouceful people.

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 2021-04-24
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Thursday XX/XX/XXXX at approximately XXXX hours, while checking my credit score and showing me that I own a loan of {$3900.00} from XXXX XXXX  XXXX XXXX XXXX. I looked online and I found their number and I called. The agent from XXXX XXXXXXXX XXXX, informed me that I took a loan ONLINE from XXXX XXXXXXXX XXXX  of {$3000.00} on XX/XX/XXXX and the money was deposit on a bank account call XXXX XXXX XXXX and the 4 number of that account are XXXX and the scammer use my first and last name to created an email address ( XXXX ) I NEVER HAVE ANY EMAIL ADDRESS WITH outlook. That is the only information I have from the loan company. Please help me by taking care of that as soon as possible please. 

Please Note that I Sent this report to IDENTITY THEFT ONLINE ON XX/XX/XXXX @ XXXX XXXX. My receipt number is # XXXX Hello, I'm having trouble to verified my Identity, after being on the phone for hours with one of the representatives of the unemployment agent he could not verify me with the information that I provided. I filed a claim on XX/XX/XXXX after I entered my social security number, the system informed me there was a claim open under my social security back to XXXX, and I called to report right after I finished completing the employment application. Today I called unemployment to find out about my status and the agent could NOT verify my information even with a bank account, the agent sent me a link to complete a personal verification through my email. When I clicked on the link even using my cell phone and manually typing it into the search bar on XXXX XXXX, along with XXXX XXXX. It would display a totally different web page than what the unemployment agent was seeing ( XXXX XXXX XXXX ). When the unemployment agent sent me to login on XXXX so I can access my account. The page asked me for a PIN but I was never issued a PIN number. After entering my SSC to receive my PIN to my email address, an entirely different email address popped up that does NOT BELONG TO ME at all ( XXXX ). My correct information should be the following : Please Help Me Resolve this Issue. My ticket number ***** from XXXX Member Support. I also sent a report to Department Of Highway Safety And Motor Vehicle Division Of Motorist Services. This two reports that I sent, it just to show that I've been give update to collection company and the credit bureaus. I'VE BEEN A VICTIM OF IDENTITY THEFT. ( SOCIAL SECURITY NUMBER )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a conventional, and what I believe to have been a gov backed mortgage or XXXX with XXXX from XXXX, loan number XXXX. In XXXX, because of health issues, I had to file for chapter XXXX, but re-affirmed my mortgage, and my payments continued, and never missing a payment. The information and payments continued to show in my credit report. 

In XXXX, 7 years later, my new loan servicer was Select Portfolio Services. ( SPS ) account # XXXX, and I have been making payments to them, never missing a payment. However, these payments did not show on my credit report. 

I have been trying to determine if my new mortgage is still backed by the fed, or XXXX. I have contacted SPS, they said no, it wasnt in the screen as backed, but I am almost sure it was with XXXX, so if the loan terms on the conventional loan from XXXX should legally be transferred to SPS, what happened? 

Because of COVID-19, I am looking into this loan, and now quite nervous of its handling. Recently, I asked for a copy of the re-affirmation documents, and SPS said they didnt have them. 

SPS : XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been a victim of identity theft my information has been used to open fraudulent accounts. I am prepared to file a lawsuit at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: U.S. BANCORP
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:
I have tried disputing this through XXXX but they won't correct it. US Bank has a delinquent account on my report that was closed XX/XX/XXXX. This item is supposed to be removed from my report on XX/XX/XXXX. But US Bank has changed the date to XXXX. It's supposed to drop off after 7 years. My XXXX report is correct and I'm waiting for my XXXX   report to be mailed because their website never works. US Bank calls me literally every day. I've had serious health issues for about 10 years and they know I'm unemployed. They are trying to add 2 years to this torment. I have included a screen shot of my XXXX report with the CORRECT information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX is about the worst collection company I have ever dealt with. Not once have they ever given me the option of disputing the debt, the call me, my wife, my place of business all the time and are extremely rude and abusive. We have tried to set up payment plans with them which they refuse. I had them call me on XX/XX/XXXX at my work and I asked why they called my work and not my cell phone. They claimed they didn't have my cell number which was false as they call it all the time. I looked through our logs and other employees have also told them to stop calling here and they continue to do so. ( I was able to track down a recording of another employee telling them not to and them calling multiple employees after being told not to. They will not allow you to make payments on a single account when they hold multiple but they are now taking me to court over a {$76.00} account.

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