BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Navient Solutions, LLC.
State: CO
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 reached out to Navient Solutions LLC, the holder of my 3 student loans, several times between XXXX. I was reaching out to Navient with the intention of paying off the balance of my 3 student loans totaling {$23000.00}. When I called in and voiced my desire to make that payment, the woman from Navient asked me if I was interested in seeing if I qualified for a student loan forgiveness and consolidation  program. I was not necessarily interested in the consolidation, however I told her I was interested in seeing if I qualified for the loan forgiveness. So the woman on the phone filled out the application to help me apply for what she claimed was an income based student loan forgiveness program. On XX/XX/20 she said that I did qualify for {$8000.00} in loan forgiveness, however there were some stipulations. I would have to pay what she claimed was the balance of the interest on my principle amount, {$5000.00}. I would also have to agree to have my loan consolidated and transferred to a new loan holding company, XXXX, where I would be able to pay off the balance. On XX/XX/20 I signed a master promissory note, with whom I believed was Navient, to complete this process. I agreed to pay the {$5000.00}, and on XX/XX/20 that money was drafted from my checking account. The women at Navient said that this consolidation process would take approximately 60-90 days, and I could expect to see my first statement from XXXX, with a new balance of approximately {$10000.00} around that time. 

I got my first statement from XXXX approximately 3 weeks ago with a balance of {$23000.00}. Shocked that my balance was {$13000.00} more than I had anticipated it being, I called XXXX to see what the discrepancy was. XXXX voiced they had no record of the {$5000.00} payment towards the interest of my balance, and they also said they had no record of any {$8000.00} forgiveness towards my balance. I called Navient, who similarly reported no record of those payments. Navient was also unable to produce any type of call log or correspondence from the communication I had with them from XXXX. 

Upon reviewing the master promissory note, it appears to reference another party/s, XXXX I also have an email thanking me from doing business with The XXXX XXXX XXXX XXXX. Finally, the fraud department at my bank was able to see that the money was drafted from my bank account under the name XXXX XXXX  XXXX. I am not sure at what point I was scammed. I feel that someone working at Navient misled/misdirected me towards the scamming company. I never reached out to anyone other than Navient throughout this entire process. They did consolidate my loans, and transfer them to a new loan holding house XXXX, however there is no trail of where my $ XXXX went nor any evidence that my loan is being forgive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am very dissatisfy with the way I am being treated by a third party collector which I am not aware of who they are. All I know is as a consumer I reserve the right to see first if they are legally license to collect in my state, I requested all fees on a previous dispute and asked if they were legally license and had proof of it including all fees they are charging. I am not aware even of who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the three credit bureas the amount owed is XXXX {$1000.00} I contacted the emergency they didnt provide me with any infomation and infomred me to contact the debt buyer, I contacted the debt buyer who told me a month ago that I would received documentation for this debt within 30 days I asked the rep to provide me with proof of an itimized bill, date of service, service rendered and the physician name with my signature as a form of proof they told me all that information would be included in the documentation that I still have yet to recieve. Im convinced that this debt does not belong to me. I haven't been to the emergency around that time. Its so unfair that agencies like this exist becasue not only do they have my medical documents so to speak they have acces to my senstive information such as birthday and SSN Date opended XX/XX/XXXX Open balance XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX PHOENIX FINANCIAL SERVIC Debt Collector Last reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX XXXX I have tried this before and you sent me mail saying this isn't me but i guess i will try again. I have been trying to get these false information off of my credit report since XXXX. They are still reporting this stuff and severely hurting my credit. I have reached out to everyone i can possibly contact from the debt collectors to the credit agencies and nobody has been able to validate the debts or even update me on whats going on. I am so stressed out everyday checking to see if they email me or remove anything from my report but it has been a nightmare every since i saw this stuff. The debts are not mine. I have the same name as a family member and my information was compromised in the XXXX and XXXX data breach so i don't know what is really going on. The yare violating the fair credit reporting act it has been over 65 days and i'm still suffering this nightmare. Please get them to react to my disputes.

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 2017-12-10
Company: Commonwealth Financial Systems, 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:
I have not been to anyrhung medical to have medical bill with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: NY
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 sent a letter of violation on XX/XX/2021. It has been more than 30 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: MONEY SOURCE, INC., THE
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XXXX Mortgage sub-servicer ( The Money Source XXXX XXXX collects escrow for payment of insurance, taxes, etc on my home that is mortgaged. When I XXXX XXXX website for tax bill disbursement, it showed that the bill is not payed and interest accrued XXXX {$120.00} XXXX on my the balance. When I called the XXXX customer service, I came to know that my account was designated as non-escrow ( XX/XX/21 ). This activity is illegal and against the compliance. Further, if I had not browsed XXXX XXXX website for my property tax bill, city/county would have filed a claim on the property for non-payment of taxes. I followed up with XXXX Mortgage sub-servicer ( The Money Source XXXX XXXX to understand who will incur the interest on taxes, but to no avail. Appreciate your help in the matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told I had terminal XXXX XX/XX/XXXX, I recently have had 2 surgeries and is currently receiving XXXX treatments. I have submitted several request for mortgage modification with Wells Fargo Home Mortgage. Wells Fargo has been very difficult to work with. Recently on XXXX I submitted request for mortgage modification with my updated financials. There is a property foreclosure sale date set for XX/XX/XXXX, I don't want to lose my home. My wife is the sole provider for our family now Please, Please 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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Ive submitted numerous complaints stating tranunion didnt complete an investigation within 30days of me sending certied letter to verify fraudulent data ln my credit file. This is violation of my frca rights. I would like these incorrect files to be deleted or show proof you completed investigation within 30days

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 2017-11-28
Company: CITIBANK, N.A.
State: NY
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:
Starting in XXXX 2017, Citibank changed the way they handle payments on their credit cards. In the past, if you paid more than the minimum payment before the due date, it automatically cancelled the minimum payment autopay feature that I had set up. Starting this XX/XX/XXXX, even if I pay more than the minimum payment, Citi will still charge the amount of the minimum payment on the due date. 

It is my belief that they changed this rule to make it harder for consumers to complete a monthly payment and not be charge a fee. For example, if I take autopay off, I risk missing a payment and being charged a late fee and an increase in my APR. But if I keep the autopay, forget that I will be charged again after paying more than the minimum payment before the due date, and do n't have enough money in my checking account to cover the minimum payment, I will be charged a fee by both Citibank and the bank where I have my checking account ( because of NSF ). 

This is unfair and I hope Citibank reconsiders changing the payment process. I have submitted a complaint via a customer service representative, but the company has not followed up.

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 2019-04-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi we were approved for a mortgage in XX/XX/XXXX for a house in XXXX, GA. We were financed by XXXX XXXX XXXX. They sold the loan to XXXX and then we refinanced with XXXX. Eventually XXXX sold the mortgage back to XXXX. XXXX placed deferred interest on our loan, but we were never late and could not understand why this was done to us. We filed bankruptcy around XXXX and continued to make on-time payment. After the bankruptcy, we were still with XXXX and they tacked on more to the deferred interest going up to {$20000.00}. We are still paying the interest and not just the principle. We believe we are the victims of predatory lending. We have tried repeatedly to talk to XXXX about it, but they went out of business. We tried to talk to XXXX and then they went out of business with no resolve. Now our loan is with Rushmore and they are referring us back to XXXX to address this problem. Please help. Thank you.

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 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt with XXXX XXXX XXXX XXXX XXXX XXXX is not valid debt on credit report. Debt validation was sent to credit bureaus in XX/XX/2020.

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 2018-03-21
Company: D2 Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received numerous calls from some company by the name of D2 Management regarding an alleged debt of over $ XXXX. I asked their representative do I have a contract with them and who gave them permissible purpose to contact me as I am listed on the national do not call registry. This person stated that they are calling on behalf of a client that I owe money to, yet she still would not tell me who this company was. They called from a bogus number ( XXXX ) XXXX which is definitely a red flag. If they are a legit company, why not be up front and honest about their whereabouts and their actual real number? The representatives got really belligerent because I asked them questions about the validity of an alleged debt, stating how they can see my credit report and how I don't pay my bills etc. I don't understand how this company can call and harass me although I am on the national do not call list. I asked very pertinent questions about this alleged debt that they just could not answer which caused them to get upset with me and ultimately hang up in my face. I would like this issue to be taken very seriously as they do not have the right to call me at my place of employment and threaten and harass me about an alleged debt that they just can not prove. I will be looking for this issue to be solved and this company reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2017-11-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My mother XXXX and has an outstanding home equity loan. 

We have been making attempts to pay towards it. 

The bank has been threatening foreclosure. My sons live there. The house is worth XXXX, we only owe {$40000.00}, How can we go into foreclosure? 

If they could just work with us, and stop the threats.

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 2022-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -JXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX    XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX  XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the Covid lockdown XXXX student loans has marked payments as late and shown my account default I want this removed due to finical hardships from covid 19.

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