BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This message is to inform the public of I C Systems collection agency in XXXX XXXX, Minnesota. This company continues to report a paid debt to the credit bureau. The debt was paid in 2017. The debt was addressed with the company in XX/XX/2017 via email correspondence. A receipt of payment has been submitted multiple times over the past 3 years about this debt. Im interested in pursuing legal action again 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 2019-03-01
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Two accounts with XXXX XXXX XXXX that show in collections on my experian reports were just updated instead of being deleted. I contacted XXXX XXXX XXXX and we both agreed to a pay to delete for the two accounts. I submitted this information to experian, proof of payment, letters from the company agreeing to remove the debt because it was paid and experian has only updated the balance of the collections not removed them from my credit file. I want them 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 2017-09-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried to obtain information about the school that I went to. It 's called XXXX XXXX and was located in XXXX, CA. Navient has not been able to provide me any information in regards to the school, can not provide information about the type of loan I have with physical documents and I know that XXXX had bought out the school and that has since been closed down. 

I filled out an Income Based Repayment Plan application and was told that my payments would increase from {$110.00} to {$140.00} however the monthly payments SKYROCKETED to {$280.00} and nobody can tell me why. I even get emails monthly that show that my {$140.00} payment is n't due until XX/XX/XXXX. 

I feel that since I am not able to get the services from the school that I am paying for that I should n't have to pay since the school has CLOSED forever and I can no longer take refresher courses as disclosed in my paperwork that nobody at NAVIENT can seem to provide. I feel that this loan should be FORGIVEN due to the nature of the closure of the school and based on NAVIENT 'S inability to provide ANY documentation in regards to the loan in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello, My problem is with Paypal, it's the only way my clients pay me for my illustrations and all my money is there. On the XXXX of XX/XX/2020 I received an email from Paypal saying that my account was limited, which mean I could not transfer my money from Paypal to my bank, neither my clients cold make me payments. They asked me to submit documents, didn't say what kind of documents. I submitted a copy of my tax number and I explained that I use the service to get payed for my illustrations. I also asked the reason why my account was limited. I submitted the document on the XXXX because I couldn't find on the website the tab to do it, as the link to the page was broken ( see screenshot ). I received an email from Paypal saying that they would review my case and I should expect an answer in up to 5 days. After 5 days, noticing that my account still limited, I made a complaint on their " help center ''. They asked me to wait up to 72h for their answer via email. Never happened. I sent other messages and on one of them the agent said that my case was escalated on the XXXX and they started to count from that date another 5 days that I suppose to wait. Meanwhile, my clients couldn't make me payments, I didn't have money to pay my rent and my electricity ... I sent an email to XXXX, that suppose to be the area of Paypal where you make complaints about Paypal, no answer ... I don't have any money on my bank account, all my money is blocked with Paypal and I don't know what else to do, please help me. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage Corporation sent me a loss mitigation package I have sent them duplicate request proof of hardship papers proof of disabilitys etc XXXX XXXX Tracking Numbers etc a total postage totaling {$360.00} I have dotted all I 's and crossed all t 's every time I send one thing they state I am missing another, they generate another exscuse duplicating request I Believe causing much confusion they send out investors to my home RECENT XXXX sitting in front of my house taking pics ( GUN POINT SUSPICIOUS ACTIVITY ) caught on close circuit TV gentlemen stated he was in the Investor Pool and wanted to know if interested in letting it go CASH MONEY Freedom Mortgage obviously gave out new recent phone number to residence and getting 5 to 6 call a  day asking me to sell this has been going on since XX/XX/XXXX On XX/XX/XXXX @ approximately XXXX XXXX  Operator @ XXXX Recorded XXXX states now she wants to regulate Deposits on boarder I have already submitted she was very rued Freedom Mortgage Is violating the guide lines of the FHA RULES and claiming I am not complying as well I feel there pulling Insurance scams

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 2016-06-09
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an insurance claim and Nationstar Mortgage is listed on all of the checks. I had to send the final check for withheld deprecation to them. They have been holding the check for months and they refuse to release it. They tell me something different everytime I call. I was told they would release the funds when the inspection came in at 90 %. The inspection came in at 97 % but they still refuse to release funds. They wanted paid in full receipts for the work and I sent those. They refuse to release my money and they continue to request the same documents over and over again. They are determined to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I contacted Capital One and XXXX XXXX on XX/XX/27 because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a private student loan with Sallie Mae and they denied me lower repayment plan so that my loans go further into default. I have been calling them for 2 years now pleading with them to please get me into a program to lower my payments so that I will be able to pay EVERY MONTH. Instead of temporary forbearance, disaster forbearance-these are all temporary and will make my balance increase! I have explained that what they are offering is just a " bandaid '', because when forbearance period is over, I'm back in the same position as before except now I owe more! Every month, I get a new account manager that reads me the same script over and over and they only suggest forbearance, I have chose forbearance previously because agents said that was my only choice- because it would give me extra time to figure out how I can pay $ XXXX $ XXXX monthly! When I initially applied with Sallie Mae, they were offering income driven repayment plans, they stopped offering Income Driven somewhere before I graduated college but I did NOT know this.When I graduated, I was shocked to learn that they no longer offered that so I have been struggling to pay them for 2 years now. I'm now 2 days away from charge off because they're in 4 months default and they STILL will NOT allow me a lower repayment plan! I have been complaining to them for so long now saying that I want to pay my loans, I just need lower payments to ensure that I'm able to pay every month with no issues. I expressed to them that this would be the best option because at the minimum, I would be making payments to prevent default. They denied me lower payments so that my loans go further into default! Instead of working with me on this issue, they prefer to call my cosigner, his ex wife, and other members of the family who have nothing to do with this nor do they know about any details regarding my loans! I speak to agents at Sallie Mae several times every week and nothing is ever resolved. It makes no sense to me. As if harassing phone calls will make money suddenly appear! Very shady practices is what I'm dealing with here with SALLIE MAE.

I owe {$160000.00} and graduated from college 2 years ago.

Because college is unreasonably costly, and college is encouraged to advance our careers when we graduate-the only financial aid that is offered are these private loans. I have been proactive since day one and here I am 2 years later WITH NO RESOLUTION EXCEPT DEFAULT. Because this is how Sallie Mae profits, very sad and disheartening for someone who wants to pay off my student loans..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX security breach, I have been attempting to place a security freeze with TransUnion ( I already froze with XXXX and XXXX ). I have used XXXX, ( XXXX ) XXXX, and freeze.transunion.com. 

Every attempt I have made ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ ~ XXXX, and now XX/XX/XXXX @ XXXX ), they take my information, tell me they are unable to retrieve my information and I need to talk to a representative. Their system then 'transfers ' me to a fast-busy signal, which then hangs up on me. 

I also attempted to use freeze.transunion.com. It said there was something wrong with my account, and I needed to call ( XXXX ) XXXX. When I did and went through the prompts, it hung up on me. 

I have recordings of each of these interactions.

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 2018-10-17
Company: EQUIFAX, INC.
State: FL
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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: MA
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:
Equifax got hacked and from the website they set up, it looks like I potentially got affected. I am displeased and am trying my best to get myself protected with credit freezes ( and additional monitoring of any identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
According to my understanding of the Homeowners Protection Act, PMI should be removed from my mortgage payment when my loan to value reaches 80 % or less. Currently, my loan balance is XXXX, and my home value according to XXXX, is XXXX. That puts my loan to value at approximately 48 %. My current mortgage company refuses however, to remove the PMI from my payment. The response from XXXX XXXX XXXX, customer support associate, is that " per FHA regulations, as the loan was assigned an FHA case number after XX/XX/XXXX the annual MIP will be automatically terminated when the loan is eleven years old, which will be on XX/XX/XXXX. The mortgage was first originated all the way back in XX/XX/XXXX/XX/XX/XXXX, and has been sold/resold several times since then. I also refinanced back in XX/XX/XXXX with XXXX XXXX XXXX, and then the loan was sold to M & T bank who has it now. So, what is correct the Homeowners protection act or M & T bank?

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: Bread Financial Holdings, Inc.
State: FL
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/2019, I submitted an online dispute with XXXX regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, XXXX  has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.

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 2018-04-26
Company: Experian Information Solutions Inc.
State: MO
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:
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.

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 2022-01-06
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, Citibank, n, a received our written request under RESPA law. Citibank not only failed to acknowledge the written request but also failed to respond. We are seeking a copy of the allege loan agreement. On XX/XX/XXXX, Citibank filed a law suit demanding payment. The credit agreement was never signed by the lender. Under Florida statute XXXX A credit agreement is not valid unless it's signed by both the debt and the creditor. The loan agreement does not reflect it was executed by citibank therefore we never had a valid contract. Assuming that we had a valid contract which we do not, Citibank was barred from filling the action because we modified the first lien back in XX/XX/XXXX. Under the HAMP guideline when debtor engages into a first lien loan modification the bank is barred by treasury guiltiness to dismiss the action. Citibank must dismiss the action but also extinguished the debt. see attached supported documents.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  & XXXX XXXX XXXX XXXX has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks

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