BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: CA
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:
On XXXX XXXX, 2017 I made my monthly payment online. On XXXX XXXX, 2017 I called Navient Customer Service to pay off one of my three loans. I explained that I wanted to pay one of the loans in full and I am calling because I can not figure out how to pay it off online. She gave me the balance of my smallest loan {$320.00}, I said yes that is the one I want to pay off. I processed the payment out of my bank account. She gave me a confirmation number and told me congratulations on paying off the loan. In XXXX I logged on to pay my monthly payment. Only the two remaining loans were showing. Both loans said {$0.00} amount due. I did not make a payment. On XXXX XXXX, 2017 I logged on to pay my monthly payment. It now shows three loans again. I pulled my bank statement to confirm the payment of {$320.00} was deducted from my bank and it was. The payment history on Navient 's website shows the payment however it is applied to one of the larger loans and still says I owe for the smaller loan. On XXXX XXXX, 2017 I called Navient Customer Service and the agent said because it is a consolidated loan that the payment was applied to both loans. I explained that I indicated to the agent on XXXX XXXX that I wanted the payment allocated to the smallest loan. She said the agent on XXXX XXXX applied the payment correctly however a system error caused the problem. She assured me that she would reapply the payment to pay off the loan in full. She said there was a past due balance from XXXX. I wanted to know why, if they had applied the additional payment to both consolidated loans there would not have been a past due balance. I made a payment with her to become current. I asked to talk to a supervisor. The supervisor apologized if the agent gave me any incorrect information. She said there was not a system error and again assured me that the loan was paid off and I was current but could not explain why the loan was not paid off on XXXX XXXX. She transferred me to a Senior Supervisor who said that only a Supervisor could approve a loan payoff and the Customer Service agent did not get the approval from a Supervisor on XXXX XXXX. The Senior Supervisor could not tell me why the agent could not get the approval from the Supervisor. Navient never notified me that the loan pay off was not approved. Nor did they notify me that they were going to apply that payment to the two consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX - 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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 REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I contacted AMEX XX/XX/2020 and informed them of my financial situation in addtion to ( covid19 ) and my need for support. I was told that in order to get support that I would need to pay {$130.00} for the financial program to be implemented. I did not have no where near the amount that they asked for, however, I made a {$20.00} that very day. Then in XXXX I made {$100.00} payment, and made {$75.00} payment. I have since then received several missed payment notification and statements indicating AMEX has not honored their part. I was prompted to call again today and the rep just informed me that they do have a financial relief program and in order to be enrolled ( 12 month 5.99 APR fixed payment of {$110.00}, no late fees or membership fees ). Confused by the terms, which were not previously disclosed, the rep restated they can't use previous payments for the program including the last payment made XX/XX/2020, and if I could not pay the amount as of today late fees and interest have been added to the account. When I asked about why the prior payment were not credited to the program as previously agreed upon. I was then told that I had to call them to make the payment in order for the payment plan to apply. Therefore, none of the previous payments as verbally stated provided any relief ( support ). I am still awaiting a supervisor call to address my concerns. Therefore I believe AMEX billing and marketing practices violates Section 5 of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), which prohibits unfair and deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 several occasions I have disputed the Chapter XXXX and Chapter XXXX on my credit report. I submitted another letter dated XX/XX/XXXX requesting TransUnion to verify to whom they spoke with and date and time to verify this entry on my report. They sent to responses stating that it came back Verified one dated for XX/XX/XXXX and the other dated XX/XX/XXXX. 
However I have a memo from the United States Bankruptcy Court of District of Maryland, Office of the Clerk dated XX/XX/XXXX which states in the first paragraph that the US Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files. TransUnion still has not adhered to the rules and procedures of the FCRA. T

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 2021-11-03
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection account on my credit report that was forwarded to Southwest Credit Systems by XXXX for an amount of {$190.00}. For non-returned equipment. The modem /router this is related to was in fact returned through a return label that a windstream representative mailed to me last year. The equipment was returned to them. They refuse to remove the collection from my credit report, because they claim they can not find the equipment. They asked me a tracking number for a return label THEY SENT TO ME! This is a nightmare and is severely damaging my credit report. XXXX is failing at their customer service. Their overseas reps often smart off to you. Make false promises to call you back. They talk over you. Will say anything to try and get you off the phone. This is an absolute nightmare and I really need help. I reached out to the collection regarding this matter only to have them refer me back to the original creditor. XXXX. At this point we are getting nowhere with this exhausting matter. Meanwhile my credit is tarnished because of this matter. I really need help. 

The account number for my old service is : XXXX The original order number for the equipment being sent to me is : XXXX The return info is something they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: National Credit Adjusters, LLC
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:
National Credit Adjuster is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid this debt off. I never received any phone calls, collection notice, or letters about this debt. This account is still reporting a balance which is erroneous, i need this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

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 a account without my written instructions

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 2020-10-28
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: Account information incorrect

Complaint:
Experian is reporting XXXX accounts with negative information. I requested proof of such bad debt and they failed to provide any proof, just referred me to contact the creditors. 

I contacted the creditors ; XXXX XXXX and XXXX, and neither XXXX provided any proof. 

Both accounts still showing on my Experian credit file.

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 2019-03-01
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at a XXXX residents up until 2016 before moving to New York. Before moving to New York I visited the XXXX XXXX XXXX XXXX in person with my roommate to switch the services to his name. 

After living in New York for over a year I get a phone call about a {$440.00} debt from XXXX XXXX XXXX XXXX. They stated that it was a recent bill that hadnt been collected. 

The home which it happened at was tore down and replaced with a new home. Not sure how the bill was $ XXXXpossibly a water leak or something but it was not my responsibility anymore and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have not applied for any auto lines of credit with this company

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 2020-05-19
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX have acquired the former home of my parents, XXXX XXXX XXXX XXXX as of 2019 as my father had passed away XX/XX/2019 and my mother simply was too old to maintain the home on her own. As we are facing the Covid-19 crisis in America, Freedom Mortgage has essentially been held back from proceeding with any foreclosure procedures. The property is located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The property has a current value conservatively at {$270000.00} if not higher. The real estate market in this area is very good, and I as the daughter am looking out for the best interest of my mother XXXX XXXX. I could rent the property out to tenants and wait out the legal process of foreclosure, but in the state of New York that would take over two years not taking the current hold on national foreclosures. Accordingly, I will deed the property over to Freedom Mortgage for consideration of {$10000.00} certified funds quickly, and have a local attorney handle the arrangements. I desire to be contacted through my email address stated in the CFPB process. It is important to take into consideration that a deed in lieu of foreclosure will sustain the high sales comparable in the area where this property is located. I will move quickly as soon as Freedom Mortgage agrees to the {$10000.00} consideration for the deed to this property. Thank you. 
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 2017-08-09
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I logged into Discover Student Loans XXXX on X/X/2017. I noticed in the top right hand corner there was a message waiting for me. I rarely log into Discover Student Loans because I pay them the same amount each month as I have for the past several years. For the second time since XXXX 2017, there was a notification that my interest rate had increased. In XXXX my rate increased from 3.75 % to 4 % and then in XXXX they increased it to 4.25 %. I was not given a written notice, or any correspondence regarding this increase. I check my credit score regularly and it has continued to increase so it can not be related to that. Also, I have already paid over {$13000.00} above the principal balance over a period of 11 years and I still owe them over {$5000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
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 did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 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 2020-12-09
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. 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 non-monetary relief
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$7000.00}

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 2021-10-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a Dispute in regards of inaccurate items on my credit report and it's been well over 30 days and I haven't received any investigating results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts XXXX. XXXX XXXX {$150.00} XXXX. XXXX XXXX {$520.00} Inquiries XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We having trying to get a payoff statement since XX/XX/XXXX to close on our refinance. Our broker at XXXX XXXX in XXXX, CO began the process, all approved and under written, no appraisal needed, we are now just waiting for the payoff. We personally requested after XXXX XXXX, our broker contacted us stating he was not having any resposne from XXXX XXXX XXXX. We requested again, on Friday XX/XX/XXXX for the payoff to be sent via email ( stated would take 3-5 business days XXXX, again requested via phone with an agent to be faxed on Monday XXXX, XXXX. called today and they stated there was an issue with the payoff balance that it has been escalated and referred to someone else and can not contact them. It will take more time .... We requested the statement through XX/XX/XXXX since we thought we would have closed earlier this month - very easy refi, good credit, lots of equity, etc. 

We are leaving on Monday, XX/XX/XXXX inlate afternoon and WILL NOT have access to phone or email as we are on vacation in the wilderness through Friday. We need to close before we leave. 

This will cost us more money, not to mention going through the process again for a later date if not resolved. 

This is unacceptable for anyone trying to refinance. Normal time is XXXX XXXX for a payoff. This should not be so difficult and frustrating. Are they trying to make all the interest they can while inconveniencing us?? What can we do? 

Not sure if XXXX provides regs for timely turnaround for payoff statement, but we are now having to push off our closing once again that will cost us more money and potentially waiting even more, since the payoff notice was requested through XX/XX/XXXX. 

What recourse do we have. This NOT right. 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 2023-07-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 non-monetary relief