BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: MI
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:
I've been in daily contact with Navient, XXXX XXXX, and XXXX XXXX since this past Thursday, trying to find my students loans. I've submitted a request for a hearing with XXXX XXXX with no response yet. I enrolled in a rehab program with XXXX XXXX and made my first payment to them 5days early only to be pulled from the program and told my loan was " recalled '' back to Navient. Navient says they do not service my loans. I'm in a never ending vicious circle and don't know what to do or who to attempt to repay. Until 2 years ago I was a single mother of XXXX with a job that was not paying well. I was able to eventually find a better job ( not even in my field of study ) with no help from my now useless XXXX XXXX degree. My wages are in garnishment and I currently receive XXXX dollar paychecks although I gross about 1000 biweekly. Between 200 and 300 are garnished for educational loans, I pay XXXX towards health insurance the government says I have to have, as well as XXXX for auto insurance the law says I have to have. I'm left broke by my choice of XXXX XXXX and clueless as to where to find my loans that I'm told are over {$28000.00}. I now spend my time calling loan servicers which send me in circles and are not forthcoming of the amount of debt they tell me I owe nor do so receive any statements of how the amount of debt came to be. The worst decision of my life was attending XXXX XXXX, it has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: KeyBridge Medical Revenue Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
KEY BRIDGE is in complete violation of FCRA, FDCPA and HIPPA. I have not given KEY BRIDGE consent to obtain and have any of my non-public personal information nor did I sign any contract stating I am in debt with KEY BRIDGE or that have consent to report any accounts onto my credit report. 

KEY BRIDGE is severely damaging my life by reporting 5 plus accounts that does not belong to me ruining my reputation. # # XXXX, # # XXXX, # XXXX, # # XXXX, # # XXXX KEY BRIDGE has not sent a notice as required by FDCPA that they were attempting to collect a debt but somehow, I have several accounts from this company reporting medical bills.

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 2022-09-06
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 information incorrect

Complaint:
The credit bureaus stated they properly investigated my XXXX XXXX XXXX account but how is that possible if the payment history is inaccurate, the status is inaccurate, the highest balance reported is inaccurate, the account type is inaccurate, the balance updated is inaccurate and the status updates is inaccurate.This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Stated 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 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 2018-09-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My significant other and I applied and were approved for a personal loan through XXXX, a division of SunTrust. We used the loan for debt consolidation of our credit card balances, we were loaned {$30000.00} plus {$100.00} doc stamp fee for a 5 year term at 13.34 % interest with monthly payments equal to {$690.00}. The loan was funded XX/XX/18. We made our first payment XX/XX/18 for {$150.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We made our second payment XX/XX/18 for {$160.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We then made a payment of {$10000.00} on XX/XX/18, only {$10.00} was applied toward interest the remainder, {$9900.00} was applied toward the principal. The next payment we made was to pay off the balance on XX/XX/18 for {$19000.00}. The principal balance of {$30000.00} plus {$960.00} in total interest has been paid, but this company insists that I still owe them INTEREST towards the loan!

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 2020-01-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: NV
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:
Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. Second round LLC failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. Second Round round LLC has failed to report to XXXX  that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. Second round LLC has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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 am a natural person, I am a living human being. And i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 161 : I have the right to privacy and i did nit give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX. 

Account Name XXXX  Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account Name XXXX Account # XXXX XXXXXXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX  Account # XXXX XXXXXXXX Account Name Account #

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: AR
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:
Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : XXXX XXXX XXXX XXXX XXXX : Collection : Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 will be consulting with an FCRA attorney about escalating this matter because your company has failed to conduct an investigation regarding inaccurate collection items on my credit report. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from 2005 until now. PLEASE SEE ACCOUNTS ATTACHED AND REMOVE.

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 2017-08-17
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Equifax a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One is in clear violation of the CARES ACT. As described in the CARES ACT, I made arrangements with CAPITAL One in XX/XX/XXXX, while my account was still current to make reduced monthly payments. I explained to them that I lost my job during XXXX  and I had not been called back yet. They Agreed to accept $ XXXX and to waive late fees. According to the CARES ACT the Company is supposed to report the Consumer as Current as long as the Consume adheres to the agreement. I faithfully adhered to the agreement and I was still reported as NO Payment 30 days late monthly and that continues to this date XX/XX/XXXX. The CARES Act was signed into Law to protect consumers ' credit. Please see the attached copy of the CARES ACT as it relates to Businesses and Consumers.

As a result of their violation of the CARES ACT my Credit Score has dropped at least XXXX points. Other creditors saw the drop in my scores and followed suit to either lower my credit limit on existing accounts or close my account altogether eventhough I was current. 
I reported this violation of the CARES ACT to the Credit Bureaus without any results, XXXX and XXXX. I Disputed credit report errors with the bureaus and the creditor and according to the CARES ACT, " Credit bureaus now have 45 days to correct errors, normally under the FCRA they had 30 days ''. They did not make any corrections. However, the Bureaus did state to me, if Capital One agrees, they will manually remove the erroneous " 30 Days Late '' from my Credit Report. The CARES ACT was a law. Why, should the Erroneous Reporting Only be removed if Capital One Agrees?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage through Bank of America for a condo I owned in XXXX, MA. I sold the condo in late XXXX, and Bank of America sent me a check for {$3700.00} for excess funds in my escrow account. This was right around the time that we had a child, however, and I wasn't able to deposit the check before it expired. I called Bank of America in the spring of XXXX and spoke with someone who told me he would look into it. I then received a notice in the mail, dated XX/XX/XXXX, telling me that the first check had been canceled and that a new one was being issued and sent to me. I have never received this check. I have tried calling many times, but have not been able to connect with a real person. I also sent an email through the website several weeks ago and never received a response. I have both the account number and the case ID from the call.

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 2020-01-22
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed immediately!

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 2023-10-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX started getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. Citizens has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Santander Consumer USA 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:
I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a federal student loan that is eligible for the student loan cancellation. I am eligible for {$20000.00} in forgiveness. I made a total of a little over {$8600.00} in payments during the payment pause for Co-vid to take advantage of no interest to try and pay down my loan. I called Nelnet on XX/XX/2022 to request a refund for the payments I made during the payment pause from XXXX XXXX on. They told me I would receive the refund in about 4-6 weeks and I would get an email with the status of my request in the following week. I never received that email. I hadn't heard anything at 5 weeks so I called them and they said it would be 6-8 weeks to get a refund. I am now at the 6 week mark and in order for me to get my refund at 8 weeks I would have to have my loan balance reinstated on the website by now which I have not. Also I see people that have called Nelnet after I did already getting their refunds while I still am waiting to get my balance reinstated. I am worried I will not receive my refund that I am entitled to in time for the debt cancellation. Then I will have to start repaying my loan in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Radius Global Solutions LLC
State: LA
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:
Notified company that accounts do not belong to me.

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: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent. 

XXXX reports to me I don't owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I financed my used car through Lexus Financial Services. As you can see in the letter attached, dated XX/XX/XXXX, Lexus Financial Services confirmed payoff of loan and stated the following in regards to my title, " At this time, we have not yet received the Certificate of Title or lien from the vehicle titling agency where the application was filed. Once we receive the document ( s ), we will forward it to you ''. Of note, I also paid Lexus of XXXX, where I purchased my car, to coordinate the registration and transfer of my title, registration and license fees have not been provided.

Now, 8 weeks later, I have not received the promised documentation from Lexus Financial Services and they are unable or unwilling to tell me the location and status of my title.

Lexus of XXXX 's staff informed me on XX/XX/XXXX that they paid Maryland 's DMV for my vehicle 's registration., I followed up, in person, with the State of Maryland DMV on XX/XX/XXXX to confirm this, and was told that the Department had not received payment nor other documentation for the registration from Lexus. 

On XX/XX/XXXX, I received a second notice ( see attachment ) from my current lien holder, the XXXX XXXX XXXX XXXX, notifying me that they have not received the Certificate of Title. Furthermore, the XXXX XXXX XXXX XXXX staff notified me via telephone that I am at " risk of defaulting '' on the loan, because they have not received the title certificate. 

I also called Lexus Financial Services, most recently on XX/XX/XXXX and they confirmed that this title was sent to me, but as of XX/XX/XXXX I have not received it. 

So, neither my current lien holder, the XXXX XXXX XXXX XXXX, nor the State of Maryland, where my vehicle is currently registered have received the vehicle title from Lexus of XXXX or from Lexus Financial Sevices ( this after waiting two months and making multiple requests ).

Please help me secure my Title information. 

Thank you.

Company response to consumer: Closed with explanation