BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A few years ago I noticed that I had 120 day late payments on my credit report from student loans while I was still attending school. I contacted my servicers for years about these late pays and inaccurate reporting 's. It was n't until earlier this year that I had even been told about the Forgiveness payment income plan. Navient refuse to work with me on multiple occasions after I had graduated and was enrolled to start my XXXX XXXX XXXX at another college but was waiting for the start date but because my end date with XXXX XXXX and my beginning date with XXXX XXXX University was outside of six month. They also started marking my loans late again even though they seen I was getting ready to go to school and told them I had no income and they refused to fix my credit report. For years now I have had to pay higher interest rates or been denied credit due to these late pace or inaccurate reporting 's not to mention I was never informed of the income payment plan until a friend of mine told me about it. I also just became aware of the XXXX XXXX College lawsuit for students like myself who were crowhurst into attending school there being told that are credits we 're good credits and transferable to other schools and then they were not {$28000.00} later I had went to school for 4 years for a XXXX XXXX that never really existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance Owed XXXX {$16000.00} ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As I started to apply for a house on XX/XX/2020 the leasing company that was doing a credit check on me only uses Equifax. To my knowledge I had a credit report with them ( having a credit history of over 7 years ) but Equifax did not have a file on me. Where as XXXX and XXXX both had credit files on me. I have tried to remedy the problem for nearly a month now having sent them a fax containing my social security card, valid drivers license and the cover letter pertaining to the issues I was having. I have called everyday since and have gotten no help. The only thing that Equifax says is to resend the fax and to mail them the documents again. My credit card company XXXX XXXX assured me that they have been reporting to all 3 credit bureaus for the past 7 years. My main issue is that Equifax should already have a file on me and they do not and they are refusing to remedy the issue in a timely manner when I do not have the time due to the fact that my current lease is about to be up and I need their credit report on me to get this house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX.

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan XXXX # XXXX Loan XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: WHEELS FINANCIAL GROUP, LLC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I took out a secured title loan with XXXX. The interest rate that was set forth at over 100 %. The loan was taken out using title of car in XXXX under my son 's name : XXXX XXXX Email on loan file is my email and has my son 's phone info. The car was a total loss in XXXX and insurance paid off the loan in full. XXXX has been harassing me and my son on the balance and they kept adding fees on the amount due? Harassing leaving threats on my son 's phone and I have tons of emails of collectors using profanity in efforts t collects. This debt was paid in full through insurance. Furthermore the statute of limitations has expire on this debt. Listed below is an aggressive attempt to collect on the debt. Also attached is a recent attempt to revive the statute of limitations by rewriting the debt. XXXX XXXX has not issued the proper disclosure per the FDCPA to advise the revival per the statute. 

***Subject : Last Chance!!! XXXX Hello my name is Mr. XXXX my direct contact number XXXX, I will be taking the liberty finding a resolution with your file. Our intentions is to resume some communication. Long term goal is meet at a happy medium resolution to restore your good standing with Credit Bureaus. Your total balance {$4300.00} with a contingent Settlement {$1000.00} Good Still XXXX. Please make all effort to continue communicate with XXXX XXXX. Please take advantage of our assistance and finding suitable financial resolution. Feel free to contact me numbers listed below. 
XXXX XXXX XXXX XXXX XXXX|Recovery Case Manager| XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX | PH : XXXX ext:XXXX  | Direct : XXXX FAX : XXXX | email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Today, XX/XX/2021 I went to XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois to set up a savings account. The account is for donations for my father who passed away yesterday. I was asked to sign the electronic box so they could open the account. I was not told it would check my credit, I was not asked for my social security number, I was not read or given any paperwork stating it would run my credit. After leaving I noticed I had emails stating I had a hard inquiry from them. I called and the first woman I spoke with stated it states we check your credit on the green paper you filled out which I was never given. The bank later called me back stating there is nothing they can do to remove the inquiry and they were sorry. I did not give consent to run my credit, I was given no paperwork what so ever, I want this removed from my credit ASAP!

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 2019-10-30
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navient XXXX XXXX XXXX XXXX represented by Sr. Account Manager XXXX XXXX at XXXX XXXX called my home phone number today asking for my wife and asking her if she could provide contact information or get a message to a neighbor 's son. I assume his student loan was past due and they could not contact him. Instead, they found my wife 's name and phone number on the Internet and called her trying to get information on neighbor XXXX XXXX. We later received a call from one of our sons indicating that Navient had also left a message on his cell phone. We feel this is a blatant invasion of our personal privacy and would like it stop immediately. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I receive unemployment benefits. Bank of America card services supply cards for those people receiving such benefits. On XXXX XXXX I called the card services to let them know I had fraudulent activity on my account.XXXX XXXX my card was closed. Received a letter a week later stating my account was closed, contact your sponsor. 
I contacted my sponsor, emailed all my identity documents. Received a phone call on XXXX XXXX from unemployment stating that they emailed Bank of America saying to open account. Weeks of speaking to BOfA telling them unemployment sent documents needed to open my case. Still not open. Second email send on XXXX XXXX, stating to open case. Been told so many different stories from card holder. Still no money. They owe me money.

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 monetary relief
Consumer complaint received 2019-10-30
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i signed a year lease with XXXX property management company i began having issues with the house i lived in i advised the rental company several times of the issues. 1st issue was the basement flooded do to a crack in the foundation of the house the property management company had several companies come out to get estimates to repair but no repair was done in a timely fashion the basement ended up flooding causing damage to my belongings i filed a insurance claim through my renters insurance they denied claim stating that flood damage was not covered but owners could possibly have coverage for that. I then contacted XXXX and informed them sent then denial from renters insurance and pictures of damaged items totaling around XXXX dollars. They then had maintenance come out in cheaply repair the wall. this happen in XXXX XXXX my second issue was the air conditioning unit going out in them not repairing it for over a month i have XXXX children that were in the house with me when temperature got almost 100 degrees outside. my 3rd issue was the mold growing in the basement where they were notified by the health department to make repairs within 30 days in they failed to do so. they company is trying to collect over XXXX dollars in back rent they say is owed to them but took my deposit were there is no where in the lease that says my deposit will be fortified for unpaid rent they should have applied it to the unpaid rent they say was owed. I then in XX/XX/XXXX get a call from a collection agency called national credit systems demanding money and being very rude and unprofessional every time they called i informed them of me having a attorney because a rent escrow case was filed before our lease was up and they still continued to call and advise me of debt owed. i need this debt to be removed from my credit and also the joint persons credit that is on the lease with me. i have tried to reach out to XXXX plenty of times and they are always given me the run around about why i was charged for XXXX rent when the lease ended XX/XX/XXXX and we moved out before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I changed my service from XXXX XXXX to XXXX XXXX because I could not afford the high bill and I was XXXX years old, collecting social security. I received a huge bill not accounting for the charges. I asked for proof of the charges and never received anything. Then, now in XXXX, 8 years later in XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc., trying to collect {$540.00}. After several attempts, being put on hold, disconnected, then referred to Texas, I spoke with XXXX XXXX, advised her this was 8 years ago and I never received proof of charges and was not paying and I would refer to my attorney. She was very rude. I am almost XXXX, XXXX XXXX and live on a low fixed income. Please help me if you can. I am sure the statute of limitations after 8 years has run.

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 2023-06-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a member of XXXX gym which was located 4 miles from my home before the pandemic. Once the gyms were allowed to open after covid. XXXX opened for a few months then closed all of its locations in XXXX without notice. I called the location in XXXX Fl. and was told that my membership would be cancel since there is no gyms in my area. In XXXX of 2021 I started being charge by a gym name XXXX XXXX located in 22 miles from my home. When I called I was told that my information was sold to them and, but I could cancel at anytime. I told them that I wanted to cancel since I never sign up for their services. The membership was never cancelled. They continue to charge me even after I call the gym many times. I finally call my bank and cancel my debt card. Then I started receiving phone calls about late payments which I told them I never sign up for this gym. I have never been to a XXXX XXXX. XXXX nor XXXX XXXX doesn't have a customer service number or email. So beyond calling the gym there is no one to contact about this. I have now receive a letter in the mail from Aldous and Associates stating I own an amount for {$180.00}. I do not own them anything because I never sign up for this gym.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Debt Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I informed XXXX XXXX XXXX XXXX XXXX XXXX? ) that XXXX XXXX associates such as myself were furloughed for the duration of the Covid 19 pandemic. I sent a copy of the letter all XXXX XXXX associates had received informing them of this. This action was necessary because I was paying for merchandise by payroll deduction. This deduction was no longer available once the furloughs became effective. 

I simply did not have the funds to sustain an indefinite furlough subsistence. I inquired of SSA because I was XXXX and quickly learned that I was eligible for benefits and filed for Social Security Benefits effective XX/XX/2019. My sole income is Social Security -- I receive no other income. I live in HUD XXXX XXXX subsidized housing. There is no other income but Social Security Benefits. 

As I understand it, Social Security Benefits are exempted by law -- therefore, I am judgment proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Been dealing with unauthorized use of my personal information which results in unauthorized items on my credit report.

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 2019-10-30
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I have been reported as a delinquent payment for my Synchrony bank account even thought I have sent prove of payments. Issue started from day one with them when my first and second payments where put in on their end into the same month statement. Then due to discussions about this and waiting for resolution they took another payment as late and increase my monthly payment for about 30 usd with out letting me know. My statements where supposed to be received online due to my travel times and they never took my request ; I moved and did not received notice or statements requesting additional payment. For a year I was making my regular payment and two weeks ago that I contacted them because I need to re finance my home was told I was delinquent by consumer report agency. I call bank right away and was told to send proof of payment which I did and today I had to call them again and was told they will not fix this. 
I believe its very unfair and would like to take legal actions against bank now that this is causing me additional troubles to re finance my home.

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 monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was traveling and missed the payment, but made the payment a day late. It posted two days late (see attached statement). I called and asked for BofA to waive the late fee, but they said no. Instead, I was charged a late fee and interest! I asked to speak to a supervisor but was told there was none available, but that one would call later. Of course, that never happened.

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