BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attempted numerous times over the course of my student loans to discuss with XXXX/Navient an affordable payment plan. The first few times I was quickly suggested into 'deferment, ' and told I would receive paperwork for an income-based repayment plan, which was never received. Each call resulted in the same discussion ... my payments were based on my GROSS income, not factoring in any cost of living expenses. The payments were unaffordable. I even remarked at how they would rather receive nothing from me instead of making accommodations that at least allow me to pay SOMETHING monthly. Out of sheer frustration I just quit dealing with the customer service, as I was told something different every time I called, with no flexibility whatsoever when it came to payment plans. I finally worked with someone at a financial institution who called on my behalf, and was then told my only option for lowering payments was consolidation. At this point, my accumulated interest has nearly doubled my loans, and consolidation is difficult due to the hit this has taken on my credit score. I am working with a financial institution to hopefully consolidate and obtain a payment plan that I can afford while still affording the cost of basic living. I am beyond frustrated and stressed at how these loans have affected my financial health and ability to maintain a decent credit score. When I call Navient now, I am in default and have to make an exorbitant payment to catch up, which also is not feasible. The inflexibility of this company and customer service is beyond reprehensible, especially given the impact these loans have on someone 's credit score, financial state, and overall life affordability. It is n't that I do not want to pay, I WANT TO PAY ... but simply can not at the price they suggest I can. I have made it more than clear to Navient my willingness to pay, and they have made it frustrating and difficult .... actually impossible, to do so. I am nervous they will cause difficulties with my consolidation due to the status of my loans, which would create an even worse situation for me financially, as consolidation actually provides an affordable payment option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been having a serious problem with my credit card company. I received a letter dated XX/XX/21 stating that my account was to be credited in the amount of {$1100.00} on XX/XX/21. When I received the next monthly bill, it had NOT been credited. When I contacted them, they stated that the letter was sent in error. 

I have tried to resolve this issue multiple times and keep getting the run around. I then, was told to send a letter to the " Presidential Correspondence Disputes '' in XXXX, XXXXwhich I did on XX/XX/21, to which I got no response as well. 

This is more than frustrating, and I have continued to pay the minimum payment every month, as to not harm my credit. 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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion, XXXX and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

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 explanation
Consumer complaint received 2017-07-12
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was a truck driver but now im on XXXX due to my XXXX XXXX and Sessoms and Roger are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from 2007. I have papers now that Sessoms and Roger are about to take me to court for. a letter has been send to them stating I am on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: SC
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:
After experiencing identity theft, I contacted, Equifax via certified Mail, and identified fraudulent addresses, fraudulent employers, and fraudulent accounts that were not initiated by me. The only accurate address is XXXX XXXX XXXX XXXX XXXX  XXXX. I requested all other inaccurate addresses be deleted, however they still remain. The only correct phone number is XXXX. I requested all fraudulent phone numbers to be removed ; however, they all remain. I requested all employers be deleted, as they are inaccurate and yet they still remain. The following fraudulent accounts still remain : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. There is also a fraudulent late payment on XXXX mortgage, when this account was never late. I sent the identity theft report and other proof showing this information/these accounts are fraudulent and a result of identity theft, Equifax has still refused to remove this information from my consumer report. I do not understand why this fraudulent information is still on my consumer report, especially as my information was included in equifaxs data breech and have not been verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/21, I mailed the following to Equifax certified mail : To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ; should be excluded from a consumer report.

Pursuant to 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, congress states ANY CARD and the credit card used is my social security card. My social security card was used to originate every consumer credit transition listed below : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 8 ) XXXX XXXX XXXX XXXX  9 ) XXXX XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX XXXX In conclusion and pursuant to 15 USC 1681a ( 2 ) ( B ), items listed above should be excluded from my consumer report and I DEMAND THEY ALL BE DELETED IMMEDIATELY as Equifax is in direct violation of my federally protected consumer rights under Title 15 Chapter 41. 
Thank you, The following accounts still remain : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ERC
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 company keeps trying to pin this debt on me! I keep disputing this debt every 3 months!! I call, they investigate and it gets removed from my credit report after they determine this is not my debt and then it comes right back on my credit report. Please make this stop!! I do not owe this company anything!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX XXXX. I made a payment on Friday XX/XX/XXXX of {$300.00}. Never received any email confirmation that payment was made. I checked spam folder, all mail folder and anywhere e-mail might be and nothing. I went onto credit card website no info about payment made. I checked pending payments and history, nothing. As of Sunday XX/XX/XXXX no indication payment was made on their website. Still showed minimum payment due on XX/XX/XXXX. Thinking payment didnt go thru I made another payment of {$300.00} because I didnt want a late payment fee. After that payment within several hours website finally showed pending payment of {$300.00} processing. ( Still never received any e-mail confirmation ) I thought, I guessed I missed first payment or something went wrong with first payment. Today XX/XX/XXXX website shows I made XXXX payments of {$300.00}. Tried to call number on card and after confirmation my personal information, automated service tried to assist me, but needed customer support. Finally I get transferred to customer service only to be told that they are working on restoring service. Call back another time. I called several times starting on Saturday after not seeing my payment posted got same message. Even called today at XXXX XX/XX/XXXX and received same response. I now made XXXX payments totaling {$600.00} when I only wanted to make XXXX payment of {$300.00}. This puts me in a poor situation for the budget for the rest of the month. Their website site had no way of canceling XXXX of the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Public record information inaccurate

Complaint:
Equifax has sent me a letter stating they verified a bankruptcy chapter XXXX with XXXX. I reached out to lexis nexis about this alleged verification and XXXX  XXXX  has no records of this matter. Therefore, Equifax lied. They did not do any proper investigations on this matter. I am currently waiting for the letter from XXXXXXXX XXXX to use as proof that there was no record of bankruptcy found. To also show proof that Equifax went against the fair credit reporting act only to defame my character. Attached is the letter from Equifax. i will be reaching out once again once i have all my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: VA
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 got notification today as of XX/XX/XXXX that my grace period for my college loans was over. During the years of XX/XX/XXXX-XX/XX/XXXX, I was in XXXX school and had a grace period to defer my loans for XXXX. However, since my school has updated just recently that I am no longer a XXXX  student. Navient decides to let me know that I have a payment due in 4 days XX/XX/XXXX. <P/>Navient did not let me know at least a month of advance to make a payment. I can not afford that payment since I was just given a 4-day notice. My next payment is due on XX/XX/XXXX. <P/>They just let me know as of now the change of loans has been changed which is XX/XX/XXXX ( today ). My complaint is that Navient should have better timing to notify their customers of payments at least in two weeks or a month advance so that I could make a payment or try different options if I can not make the payments. <P/>I hope you can assist me with this matter. I 've my emails to show as proof. I contacted customer representative this morning on my way to work, who did n't quite understand why I called to let Navient know pursue better business practices of letting the customer know the payments. She was not as helpful ; it seemed she needed to wake up get a grab a coffee. She told me my options, but I could barely understand her since she was mumbling. Maybe she needed to grab a cup of coffee. <P/>In conclusion, I reached out to Navient, who do n't understand what the issue is. The issue is the timing and notification of payment less than four days!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2021-11-30
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I purchased a new XXXX XXXX XXXX vehicle out of state ( Ohio ) and financed the purchase thru Hyundai Motor Finance. I live in XXXX, and the lien holder ( Hyundai Motor Finance ) is required to send the original title issued by the XXXX XXXX Ohio XXXX to XXXX XXXX so the vehicle can be registered and insured. I bought the vehicle on XX/XX/XXXX. I have contacted Hyundai Motor Finance, every week, since XX/XX/XXXX requesting the status of the title transfer. I have had numerous case # 's issued, the last was on XX/XX/XXXX # XXXX requesting the search for the title. On XX/XX/XXXX, XXXX XXXX in XXXX, Ohio mailed the title issued by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the XXXX XXXX XXXX, XXXX Tx XXXX location. XXXX  XXXX tracking number # XXXX shows the title was signed for and received. At this point in time Hyundai Motor Finance tells me that they can't find the title. I can not drive the vehicle legally in XXXX without the vehicle registered. Hyundai Motor Finance could easily remedy the situation by requesting a duplicate title from the XXXX XXXX XXXX XXXX ( XXXX ) and then send the title to the requested site I have provided in XXXX  to process the XXXX XXXX registration. We are over XXXX days and this is the worse company to try to address legal issues with.

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 2021-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally closed with XXXX XXXX XXXX XXXX ( purchase and closed on XX/XX/2021 ). They sold the loan and servicing was given to Select Portfolio Servicing. From inception it has been a nightmare and the list of errors are below : 1. They did not apply my additional payments toward principal correctly. 
2. I set up auto pay in XX/XX/2021 to start effective XX/XX/2021. They never withdrew money and on XXXX XXXX cancelled due to my failure to make payments -WHICH NEVER HAPPENED. I made my payments timely in XXXX, XXXX, and XXXX. And in fact made additional payments toward principal. 
3. I am not sure if my credit will be affected because of item number 2 above which is incorrect. 
4. My account is set up with escrows for taxes and insurance. However just yesterday the account representative told me it was not. My account was set up for escrows and I have the written proof. 
5. Select portfolio failed to make my property tax payments which were due XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: UT
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 as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.

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 2022-02-15
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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