BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: Navient Solutions, LLC.
State: CT
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:
About a month ago I noticed my credit score went from XXXX to XXXX and I thought my student loans were in forbearance. So I decided to call Navient in XX/XX/XXXX to get it settled because I 'm going to be getting married next year and I do not want to start my marriage with bad credit. They told me that I was n't eligible for a forbearance and that I was past due of 90 days which is the reason my credit score dropped. They told me unfortunately they can not fix my credit from dropping but if I started  paying it should increase after a few months. I could n't argue I guess that 's how it works but then they said they contacted me and gave me a number which happened to be my fathers number and pretty much took my contact information for the first time which is unprofessional and really a game changer in what we call LIFE. If I knew about not being in forbearance I would of paid a fixed amount to prevent my credit score from being ruined ... .So after we spoke I mentioned that I wanted to start making payments XX/XX/XXXX to get things rolling. A few days before my payment, I called to reschedule my payment for XX/XX/XXXX because I realized I would not have my payment in full until XX/XX/XXXX. I went online to set up an automatic payment to split my two loans in a fix amount. {$150.00} for a small loan and {$600.00} for my bigger loan. The crooks put my {$750.00} in the small loan and mentioned I have an outstanding payment of {$600.00} and it will be added to next month, which would bring my payment to {$1500.00} instead of {$750.00}. It 's ridiculous I have to check my account twice a week to see these small changes done that continues to accrue more interest towards my loans and makes it impossible to afford them. My credit is ruined! I just want my loans to be properly set as they were and what I agreed on to fix my credit score, that 's all. Navient manipulates you to believe everything is ok and screws you over if you 're not paying attention. They gave me a sorry excuse, I should n't have to pay for their unprofessional way of manipulation and false accusation of contacting me. Something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, 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:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
venmo has issued a new user agreement ( https : //venmo.com/legal/us-user-agreement/ ) the only way to opt out of arbitration is via printing and mailing a form ( https : //help.venmo.com/hc/en-us/articles/360062640153 ) this is a fully online company. this is an onerous burden designed to make it too difficult for people to retain their full legal rights for recompense against Venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX I requested a replacement card & have not received it since then after chatting with XXXX through the live chat feature provided on the americanexpress.com website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells fargo sold my house even after I tried to get it modified and filed XXXX the day before it sold. They were supposed to resend the sale and never did. And to tip it off sold for {$100000.00} less than it was worth.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this account because this is unfair. Please remove these account as soon as possible. This is not mine.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XX/XX/2020, I disputed XXXX XXXX XXXX debt collection to Transunion credit bureau which resulted in deletion of XXXX XXXX XXXX debt from my credit report. However, Transunion failed to update and increase my credit score after error was deleted and removed.

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 2020-06-02
Company: 3rd Generation, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: KY
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:
My wallet got lost years ago I never made a police report because it was returned I never relieved these until I started to understand my credit report and relieved these XXXX XXXX XXXX account and inaccurate and Unauthorized things along with name change and wrong address which were deleted

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.

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 2020-05-20
Company: FIRST HORIZON BANK
State: TN
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:
My HELOC acct with First Horizon Bank, previously XXXX XXXX XXXX  was charged-off in error in XXXX 2019. I made regular monthly payments to my acct. at the agreed upon monthly amount. XXXX never furnished me with a pymt coupon book or periodic mthly statements. Also, XXXX never sent a notice of them going to do the charge-off, therefore, I was never given an opportunity to investigate and resolve this matter before the charge-off took place. I was treated unfairly and not only has this caused my credit score to drop but I can not get approved for a new mortgage loan to finish paying off XXXX, now FHB. I still am making my regular monthly pymts while adding to my check a statement explaining that I have not received a periodic loan statement to date. I am very stressed out and frustrated that XXXX will not look into the disputed matter more and help resolve it. I have sent proof of all my payments to them, as well as once receiving a letter back from them stating that 2 of my monthly payments were never applied to my loan. They claim one of them was my fault, where my wife accidently wrote the number on top to the check wrong and the other one, FHB claims they do not know where it went. Not getting any pymt coupons or at least a monthly statement was part of the problem with writing the wrong number on the check ( by memory ). Still the bank is supposed to make sure the name of the account holder matches up and I still have not received any credit or compensation for those payments. FHB continues to report a CO monthly to the credit agencies. The errors in not crediting my acct. those payments, I believe, caused a domino affect to where my acct. stayed over due even though I was making my payments every month, it appeared I wasn't in error. I feel the bank is in violation of the FCRA and this matter needs to be investigated and resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Chaplain Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call and they left a message with a phone number and a case number. I called the number, XXXX. The lady mumbled her name and would not repeat it. She mispronounced my name and asked me to verify the last four number of my social, which she read to me. They were correct, but I refused to verify it. When I asked her, she said she worked for XXXX XXXX XXXX, a division of XXXX XXXX. She claimed I had taken out a loan with XXXX XXXX in XX/XX/XXXX and I had paid until XX/XX/XXXX. I am not aware of this loan. She did not give the required statement stating she was with a debt collector. She claimed to keep looking up my information, and there was lots of background noise. I have never heard of XXXX XXXX and I am very sure I did not borrow money during that time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Credit Management Control, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I asked XXXX XXXX of US Bank if he could help with a loan I was trying to get on a home in Montana. He said yes and connected me with XXXX XXXX of US Bank in XXXX. Btw both people are very nice and were cordial all thru the process. Closing was for XXXX XXXX, 2020. During the process I got to them all the underwriting items they asked for. They told me I had " Conditional Approval '' on numerous occassions. 2 weeks before closing they said they could not do the loan in the XXXX name as my XXXX brother in laws did not fit their underwriting guidlines. They said they could do it in my name though. I told them since day 1 I had a $ XXXX deposit that was not refundable. They knew this but kept telling me that they could close it. 3 days before closing they told me that their outside attorneys said they could not close the loan in my name if we bought it in the XXXX  name. A complete reversal of what they said 2 weeks ago. Instead of closing on it with financing I closed with cash. what they did was VERY wrong. It was not XXXX it was her bosses who really XXXX  with me. I dont want anyone to go thru this again and I want action taken against them.

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 2020-11-03
Company: Aargon Agency, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

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 2023-02-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I have some amount in my account I am waiting for it to be available since PayPal holds it. 

But it suddenly got a limitation without having any action. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-02-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX payment had been removed, but the communication did not address the status of the XXXX XXXX dispute. On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. On XX/XX/XXXX, I emailed the documents to the lender at the email addressed they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. I disputed the payments because the originator of the loan, XXXX XXXX XXXX XXXX, and the servicer of the loan, Nationstar ( now Mr. Cooper ) have long enjoyed a co-branding agreement where in they encourage customers to make payments via the XXXX website and mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: ME
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 am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor.

Verify the accuracy of the reported information with Creditor and any other relevant sources.

Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: SYNCHRONY FINANCIAL
State: IN
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 to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2019-11-05
Company: Credit Adjustments Inc
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received mail notification on XX/XX/2019. Alleged debt from the U.S. Department of Education, student loan, in the amount of {$46000.00}. 

I have never had a student loan from the U.S. Department of Education. 

I have not attempted to contact the debt collector, Credit Adjustments , Inc. due to the fact I think this is a scam.

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