BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been in an IDR plan for several years ( since 2014 ) as I was laid off work and unable to find employment, I was basically forced into retirement and had to live off Social Security. I do occasionally pick up private contracting work but last year I didn't get any contracts and this year is looking to be the same with nothing available work wise to supplement my Social Security. Two years ago I made an additional {$8000.00} doing contract work and since Navient uses tax return information to base their IDR payment on, they have now raised my payments THIS year to the point of them taking almost a full 20 % of my Social Security, which is my only income. I can't afford these payments and contacted them explaining this, Their only solution/recommendation was to request a postponement option available on their website. The only options there are for unemployment deferment or financial hardship deferment neither of which are applicable to my circumstances due to them both being a " short term '' solution. Also, I am $ XXXX short of qualification for a forebearance. It's like a catch-22 situation, I have paid on these loans for a very very long time and now that I can't afford to make the almost $ XXXX there seems to be no avenue of recourse for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
As I reviewed my recent report, I have found some erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: NJ
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:
3 years ago I was informed by Florida XXXX that my personal information has been compromised. The details of the situation are that I apply for a XXXX endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I attended XXXX XXXX during the period XXXX. I have paying off my loans since then and currently have one that is adjusted due to my low income. 
However, on approximately XX/XX/2023, I received a letter from the ECSI Federal Perkins Loan Service in XXXX XXXX, PA XXXX stating that I owed a past due amount of {$2100.00} on a loan I had never heard of. 

To further confuse the matter, I spoke with an agent at the Federal Perkins Loan Service and they said the school had no documentation on this " loan '' except a p/c of the original signed agreement. The school has no record, nor do I, of ever notifying me of the existence of this " loan '' or of any interest acquring. There is no record of why the interest accured, payment received, and why I was not notified. 

I dispute the existence of this " interest '' and question that after 23 years or so of no notice that I even am liable for such an amount. How can one acquire interest on principal that ( according to them ) has been paid or at least does not exist at this time. ( Principal Due : {$0.00} ) At the most basic level, this is an example of sloppy bookkeeping or just conjecture on their part. 

Further my personal situation is that I am XXXX, suffer from a XXXX XXXX, and my husband is XXXX ill with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2020-02-12
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is old debt that was from 2013. They've bought the debt from clear creek lending in attempts to gain payment. The are threatening to sue for the debt but are unable to substantiate the debt entirely and when I talked to them they threatened to sue me and take my house. 

They threatened to sue me and take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian refused to remove a collection from my account after sending countless requests to remove debt not own. Also, collection company has responded with a forged document entitled " Patient Registration & Acknowledgement " form containing my forged signature. Experian also does not have Policies in place to police debt validation responses from the collection company. 

I am attaching a forged document received from the collection company, along with a copy of the " Identity/Forgery Theft Report, filed with the Federal Trade Commission , as well as a Police report that has also been filed. Report # 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 2020-01-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I was a victim of predatory lending from J.P. Morgan Chase in XX/XX/2010. At that time, I was owner of the property located at XXXX XXXX, XXXX XXXX XXXX XXXX. The property value was {$640000.00}. However J.P. Morgan Chase foreclosed my property in XX/XX/2010. They never pay me the line of credit {$150000.00} which attached on the property as equity. In the past, I already brought my compliant to CFPB regarding J.P. Morgan Chase predatory activities by asking them the rest equity on this subject property ( see attached estimated value ). However J.P. Morgan Chase never contacted me after I contacted their specialist. The difference between the selling price {$390000.00} ( in XX/XX/2010) and market value {$640000.00} is {$250000.00}. Therefore I am asking J.P. Morgan Chase to pay me {$250000.00} difference when they foreclosed my property as {$390000.00} in XX/XX/2010. Predatory lending means the lender constantly ask unemployed, elder home owner to refinance to finally take their property away. As U.S. government know, I was fully qualify XXXX  job and was seeking job all the time. However due to employment discrimination and unfair hiring practice caused predatory lending, my property in XXXX XXXX XXXX  was take away by J.P. Morgan Chase in XX/XX/2010 at the price of {$390000.00}. I was fighting with Chase to the court, however XXXX XXXX court choose to give the property to J.P. Morgan Chase. During my employment matter with XXXX in the past 10 years after I move out of XXXX XXXX, I was harassed and threatened on the daily basis not to pay the debt by State of XXXX. Accordingly I am asking the rest of equity of {$250000.00} of this subject property since J.P. Morgan Chase took it away. Please do NOT owe me a penny. You took my property away, you should pay fair market value {$640000.00} not {$390000.00}. The difference is {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is another attempt to notify the Credit Bureaus regarding the fraudulent activities I have noticed on my Credit File. I dispute certain accounts in my file that are a result of this crime. My personal information was exposed in the XXXX data breach. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the fraud. These accounts are unknown to me. Also, the information that some other Credit Bureaus provided on some accounts is DELETED compared to others and I have doubts about the accuracy and the reported payment history on some accounts is a mystery to me. I need the following accounts removed from my Credit File that were opened due to fraud : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. As much as I greatly appreciate the removal of some of the previously disputed fraudulent accounts, I am going to ask once more to remove the remaining accounts that were left for they too were results of the fraudulent activities. If the Credit Bureaus can prove that the disputed items belong to me by providing any legal documents bearing my signature. If the Credit Bureaus are unable to do so, I expect nothing but the deletion of the disputed items.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: MD
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:
My bill was reported incorrectly 30 days past the due date in XXXX of 2019.

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 2018-03-10
Company: FIRST HORIZON BANK
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I authorized mortgage company to automatically debit my checking account each month in the amount of my mortgage. When I submit an extra payment to be applied to principal, the lender does not apply the additional payment to principal, but instead applies the amount to my next scheduled payment. I have called to complain about this and was told that the only way to effectuate an additional principal payment was to send it in during the 7 days following my automatic payment but prior to the end of the calendar month. I think that is an unethical practice designed to prevent consumers from paying off principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I applied for a VA refinance through my current mortgage lender " Freedom Mortgage '' XX/XX/2022 ; The lender point of contact was XXXX. I paid for an appraisal as requested but an appraisal was never performed nor was it refunded back to me when they closed the loan process. I tried many times to retrieve my refund through their customer service. they gave me the run around and said a refund would be issued but the last contact I had with them they said it could not be processed. Services were never rendered to include loan never completed.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
Experian, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XXXX ) XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 non-monetary relief
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give them written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is where it states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: OH
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: NC
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 asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation