BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: Navient Solutions, LLC.
State: IL
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:
My wife and I currently have a student loan with Navient. The loan was transferred from SalleMae to Navient back in XXXX. Since our loan has been with Navient, my wife and I have seen our loans almost double. We are currently on an income-based repayment plan which was a program we had to find ourselves and was never offered by the lender. We didn't find this program until XXXX ( according to the records of filed IBR applications on StudentLoans.gov ). We contacted Navient several times to let them know we couldn't afford to pay our student loan. Every time we called, we were told we had to pay the full balance of what was due or we would be sent to collections. When we told them we couldn't pay, we were told our only option was to go into forbearance. 

Due to the unnecessary forbearance, we have see our loans grow substantially ( My loan at the time Navient took over was {$17000.00} and it is currently at {$31000.00}. My wife 's loan was originally at {$12000.00} and it is currently at {$19000.00} ). We trusted our lender was providing honest information to us, but after seeing our loans continue to grow in size, I feel that we were misled so that Navient could make a profit off our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: GA
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 several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On receview of my credit report, I noticed unfamiliar companies requesting copies of my credit report. 
These companies are : XXXX XXXX  XX/XX/XXXX Capital on Finance XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent the XXXX credit bureau a 609 letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX  {$6600.00} XXXX  {$5300.00} 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 2018-01-05
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: Old information reappears or never goes away

Complaint:
I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late 2016. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the credit bureau ; I have also reached out to the company letting them know that this item was not mine and that i wanted them to send me some information showing proof of item. I never received anything back and the item is still showing on my credit reporting. Due to this item my score is not were it needs to be. 

Item number listed on my reporting XXXX Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: ALLY FINANCIAL INC.
State: IL
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:
I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors Ally Finical, XXXX, XXXX XXXX and others havent been any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I can not list specific dates as I did not document them at the time however, on several occassions I have asked how my payments are being applied as it seems my loan amount has hardly decreased after having been making payments for almost nine years. I entered into the income based repayment option and have been making the same payment amount for almost that entire time. I was told on my last call the interest rate can fluctuate which was a complete surprise to me as that was NEVER mentioned when I entered into the program. I was pretty much told 'too bad '. What they are doing to borrowers should not even be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Open Dealer Exchange, LLC
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: Old information reappears or never goes away

Complaint:
On the XXXX of XXXX I obtain a copy of my XXXX report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX Credit/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX XXXX. XXXX Credit/XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXInquire Date : XX/XX/2018 Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern. 

This is my second dispute with the CFPB regarding this issue. My original compliant number is XXXX. 
Please see attached response from TD Bank Representative. The Representative documented my XXXX payment was not the full amount and was short {$290.00} which caused my XXXX payment late. I have provided the annual statement I received from TD Bank specifying my new mortgage payment amount and also I attached my payment history provided to me by TD Bank. On XX/XX/21 I made a payment in the amount of {$1600.00} which is the correct amount due based on the statement provided to me. Unfortunately, there was a delay in processing my deferral which caused huge discrepancies on my account, however due to the delay on TD Bank it caused my payments to appear as partial payment and late. I am not asking for the late reporting to be removed as a courtesy but requesting the late reporting to be corrected because the error was on TD Bank and the delay and processing of my deferral and updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department.

I feel they are taking to long to review and make proper decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made numerous attempts to rectify the matter regarding my student loans with XXXX. After receiving correspondence that my student loans were in deferment last year due to the government protections put in place because of the pandemic, this year in XXXX, XXXX made all of my loans due and has reported me delinquent to all three credit bureaus for 6 months. In addition, interest has continued to accrue and I have received numerous calls and notices in the mail regarding the loans. I was once advised that the loans were not federally backed loans which is in contrast to the way they are reported on the XXXX site as XXXX loans. XXXX  loans fall under the protections that XXXX and the XXXX of the United States have put in place since XX/XX/XXXX. 

XXXX is taking advantage of student loan borrowers and destroying personal credit that so many of us have worked so hard to build.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My debt is rental debt from an apartment complex for XXXX XXXX at XXXX XXXX. I called the company IQ data international inc. to inquire on repayment plan to repay the money owed. The account manager of my account was extremely rude. He was threatening me harshly which violated the fdcpa law with the false actuations and vulgar language. He then put me into a status of refused to pay which isnt true. All this just because he did not want to work with me. I was extremely calm and polite thought all the verbal abuse from the debt collector. He then he disconnected the call. I called back trying to resolve my case and get on a payment plan to repay the debt. They offered me onto a payment plan of XXXX $ a month for 6 months. No other options where available. I know they do not have to be super nice, but I would like for my call to be pulled and manager reviewed for the way that I was treated. Thank you for your time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for validation that the debt is mine with a signed contract and I have not received anything but offer to settle letters. They stated it is from XXXX but I do n't recall receiving anything from XXXX to that fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was resolved with the creditor. Debt collector sent me a confirmation letter that the account was closed. After the debt was resolved the debt collector still reported it to credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A transaction through Paypal on XX/XX/XXXX for {$910.00} was debited back to my account on XX/XX/XXXX. I explained to Paypal rep that pay pals contract, which is a contract of Adhesion, states clearly that this transaction is guaranteed. Paypal uses the guarantee offer to solicit consumers to sign up as use they service, as they did with me. However, PayPal seems to DELIBERATELY ignore their own policy, breaching our contract. I have been unable to use my PayPal account for weeks and this has cost me business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First of all, my son had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. Around XX/XX/2020 I noticed that I was referred to debt collector called CAPIO PAYMENTS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX I emailed to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX-XX 2017 there was a fraudulent charge made to my Chase acct! For {$97.00}. I filed a fraudulent claim the money was returned! I received a email from Chase saying THEY 'RE reversing the funds and putting them back on my account!! I called and asked why and they said the company has submitted proof the charge was mine! This is impossible I did not order anything from this company!! 
My bank said it was a free for pay! I do n't know what that is, but I live in SSI and ca n't afford such things! And I do have some credit cards, if I was going to order a {$97.00} item, I would have put it on my credit card, and not my Chase credit card either! Why would I put it on my debit card knowing it would overdraw my acct Majorly! Instead of on my other credit cards so I could pay it in payments!! I called the company and they said they do watches! I did n't receive a watch! I am desperate, I looked up the company online and they are a home business associated with Morgan Chase! Plz help me! I borrowed the money to put in the bank, help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
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: Old information reappears or never goes away

Complaint:
The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened  XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation