BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-30
Company: Navient Solutions, LLC.
State: MN
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:
On XX/XX/2020 Navient tells me that my loans are not eligible for being halted. They say that since the loan is owned by Navient that it is not eligible for the new federal suspension of payments. 

My loan was originally a Federal Loan when acquired for University of Wisconsin. Then along the way a few years after college was behind me, my loans were sold to Navient. 

Navient now tells me Im not eligible for the federal protection even though my loans are still technically a federal loans, only not eligible because Navient owns them as a third party. 

The worst part of this all is. Im a healthcare worker literally in an ED on the front lines at a hospital in XXXX. I havent gotten a break or weeks off during COVID. Ive been working with patients. Navient has found a loophole to not follow the executive order and they are exploiting me and others. 

I was even a class member of a class action lawsuit against Navient and the outcome was increased oversight. Now Im being told Im not eligible for federal protections. All roads lead to nowhere with Navient. 

Ive been laying this loan for 20 years and still owe {$13000.00}. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving notice of a debt I do not owe.

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 2018-02-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XX/XX/2008 I took out a student loan with XXXX XXXX. I defaulted on the loan. Now the contract has been breached because it has changed companies. Navient has the contract and they are using another collection company to get me to pay.The company is XXXX XXXX XXXX XXXX. The amount owed is $ XXXX account is over XXXX years and needs to be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018, I received a denial of credit letter from XXXX XXXX. The reason for the denial was listed as : '' we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' Equifax was the credit bureau listed. I then pulled a copy of my report which showed, " Fraud Victim " Extended Alert '' & File Blocked For Promotional PurposesAlert Contacts 1 Records Found. '' Next I called Equifax to get this removed, answered dozens of questions, and was told it would be removed shortly. On XX/XX/2018, Equifax emailed me that my " dispute had been completed. '' When I clicked the link and entered my information, it says it doesn't match and they can not display my results. I have called seven ( 7 ) times to various phone numbers for Equifax, and been hung on four ( 4 ) times! I finally spoke to " XXXX '' ( spoke with a nearly unintelligible foreign accent ) ( XXXX ) who told me the fraud alert was removed last XXXX, which I know is a lie, since it showed up on the report I pulled on XX/XX/2018. I told him that since this involves a denial of credit the FCRA requires them to provide me a free copy of my report and to resubmit my credit file to anyone who has requested it in the past 6 months, but he refused to comply! 

So, as it stands, I can't access my credit file and neither can my creditors, and Equifax won't do anything to help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Those are all on XXXX. 

And On Transunion is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x 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 2018-07-10
Company: Navient Solutions, LLC.
State: NY
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:
Loan Number XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I called Navient several times to fix what is reported on my XXXX and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with Navient however, this is not reflected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: American Revenue Management, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was resolved in a bankruptcy filed XX/XX/2017 and remains in collections on my credit report. I would like it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX INQUIRY ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION

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 2021-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX  credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This company is reporting inaccurate information to the credit bureaus in regards to this account they are not reporting factual data. If the same company is reporting the same information the credit bureaus then there should not be any inconsistencies in the reporting. This is a violation of the FDCPA and the FCRA. Attached is verification of what is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTORS KEEPS CALLING MY FAMILIES CELL NUMBERS WE WILL 17 CALLS ON RECORD WITH SCREEN SHOTS AND ARE CALLING ( XXXX ) XXXX. AFTER CEASE AND DESIST COLLECTIONS AND COMMUNICATIONS. STOP CALLING XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3500.00}, {$810.00}, {$0.00}, {$660.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- STUDENT LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- PERSONAL LOAN 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/20XXXX XXXX XXXXXXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: MS
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 bought this house on XXXX XXXX in XXXX Mississippi in XXXX. XXXX shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. XXXX says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 explanation
Consumer complaint received 2020-11-24
Company: Fay Servicing, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold, to someone who has not contacted me, and I was just given notice. My payment next month is with a new servicer, of which has not contacted me, and when I contact them, they refuse to give me any information. How am I supposed to pay, when I don't even know the loan number for the account with the new servicer. I have XXXX, and do not need the stress from XXXX. If you look up XXXX  in the dictionary, it says see a banker. They should be fined for playing games with a person with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX representing Citibank, N.A is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.

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 2018-07-09
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Good afternoon, back in XX/XX/2013, both my husband and I enrolled in a debt solution program with XXXX XXXX and global client solutions. our debt totaled XXXX together of which XXXX was my debt at the time. I was advised to let all my accounts go into collections so that we could make a better deal. I submitted copies of our drivers license, social securities for both of us as well as all statements from all our creditors and our banking information. The calls from angry collectors began coming in at all hours of the day. I set up a monthly withdrawal to global client solutions from our checking account. Things didn't seem to be progressing even after making the monthly payments and after months a stop payment had to be put into place. There was no turning back credit wise, because the damage was done and it now included late fees and ridiculously high balances. Last summer I came across an email from cfbp that a settlement would be issued to clients affected by the debt settlement. my husband was included in the small settlement and after much sacrifice is still to this day trying to pay off that debt. I however, received nothing. My debt sits untouched, and tarnished even after all theses years. I called the company in charge of the settlement several times last year and they said all they could do is create a profile for me and see what happens. Sadly nothing has happened. I contacted XXXX XXXX XXXX and they stated that they have purged all old documents and that staff has been completely changed. I am at a complete loss as to what to do. Many places of employment require credit checks and obviously it is something I cant yet overcome. This issue has caused me a great deal of stress and anxiety. I hope that I can get help to resolve this issue that has dragged on for way too long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my Experian and XXXX  reports as well and have had no response.

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 2019-11-14
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
checked my credit report and noticed collections that is not mine ... victim of identity theft!

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 2019-11-01
Company: First Technology Federal Credit Union
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Around XX/XX/XXXX or XXXX, 2019 ( First Tech Federal Credit Union has the specific date when I paid off the loan for the camper ), XXXX dollars and am waiting for the XXXX title to mail me since the date I paid off. The location is here in XXXX XXXX, XXXX, Oregon. Twice, my loan officer for the camper called the headquarter about the whereabout the title is. They said they released the title XX/XX/XXXX and would be mailed around 5 days. Last Monday, I went to the First Tech bank officer again and he called them. They mailed XX/XX/XXXX. Now it is not here yet as XX/XX/XXXX. I will go to the bank officer again about this. I am afraid about my consumer who wants to buy my truck camper and needs this title so he can get a loan. He pateince with the progress. I never experience with this First Tech compared with other banks. 
Let me know what I need to cover more that I need to do addtional information. 

XXXX XXXX XXXX email XXXX XXXX XXXX Text only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a complaint regarding SHellPOINT MORTGAGE SERVICING. THE COMPANY REFUSED THE LOAN MODIFICATION PROPOSED BY KEEP MY HOME CALIFORNIA. CLAIMING THEY HAD THEOR OWN MODIFICATION. THEY OFFERED TRIAL PAYMENTS FOR 6 MONTHS ALL PAYMENTS WERE MADE THEN THIS UNETHICAL COMPANY AFTER THECTRIAL PERIOD LIED AND RAISED THE MORTGAGE PAYMENTS AND REFUSED TO ACCEPT PAYMENRS FOR THE SAME AMOUNT OF THECTRIAL PAYMENTS. THIS COMPANY IS UNETHICAL AND WHENEVER PAYMENTS ARE SENT THEY SENT PAYMENTS BACK. THERE IS NO ONE POINT OF CONTACT. XXXX YOU CALL MULTIPLE TIMES ONLY A VOICE MAIL IS RECEIVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation