BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a {$160000.00} student loan with Navient and Sallie Mae since XXXX. Over several years, I have tried to lower my payments but they have always been calculated over {$500.00} a month rising to over {$800.00} a month based on my household income. ( See email dates XX/XX/XXXX. I was unemployed for several years and there was absolutely no way I could pay these amounts and was advised to either request a deferment or a forebearance rather than Navient offering or accepting a more reasonable payment amount of around {$250.00} a month. As I watched my student loans skyrocket, I decided to work for a non-profit/public service company in XXXX as a way to qualify for the Loan Forgiveness Program. 

Over the years, as I called every 9 months or so to ask for help but was pointed in the direction of extending my forbearance. ( 5-10 ) I was never advised about the Loan Forgiveness Program or offered a more reasonable monthly payment based on my family household income. It wasn't until XXXX when a representative advised me to file separate income taxes in order to qualify for a lower month payment bracket which by the way, has caused additional tax issues. Where I find myself now is settling on working in a low paying job although I took out my student loan to obtain an XXXX. My hope is that my student loans will be forgiven in 4-5 more years. 

More concerning now is that my non-profit I work for does not provide health benefits and with my husband retiring next year, we will be forced to find a healthcare program that may be extremely expensive or I must find another non-profit that offers health benefits. What I am also concerned about is that after all of this sacrificing, my non-profit/public service work may not qualify. When I began consolidating my loans in XXXX and looking at what jobs qualify for the Loan Forgiveness Program, I discovered that my employers career was not listed although I work with foster children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CITIBANK, N.A.
State: MA
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:
A Balance on the credit card which I paid off before the due date had accumilated interest fees on the account without my knowledge. I didnt use the card for months or log in online, then XXXX  notified me the bank had reported a late payment on my credit report. I then called costumer service and they removed the interest fee but told me Id have to contact Excutive about the late payment report. Ive wrote them over a month now and theyve never respond. I paid the balance off before the due date so there shouldnt be any interest or payments 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 monetary relief
Consumer complaint received 2020-01-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud USAA XXXX is a result of ideninity theft USAA did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from XXXX changed USAA last four XXXX changed to XXXX In my letter XXXX was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY USAA never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted XXXX  does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: TX
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:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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**** ,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: JH Portfolio Debt Equities, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no business with this company and have no outstanding debts that aren't being paid. I check my credit report regularly and have no negative information. My parents may owe someone something and I have been tracked down as a relative, that's my only thought. If true, they need to deal with them. The company is well known for being rude and making threats.

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 2019-11-11
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 status incorrect

Complaint:
I disputed information on my credit report with Experian regarding a XXXX Department Store account. Due to medical expenses in XXXX I had debt that I could not pay. It has been 7 years and all the bank credit card debt is no longer on my credit report. XXXX has reported a debt of just over {$200.00} to both XXXX  and to Experian. In XX/XX/XXXX I phoned XXXX to close this account which I never used again. XXXX has reported that my last payment was XXXX XXXX but they waited to report this account as closed until XX/XX/XXXX therefore it is still a debt on my credit report. Apparently XXXX took no action at the time I closed the account to actually report it as closed, which is not in line with their stated policy to close an account after 60 days of delinquency. As I said they did not report it as closed until XX/XX/XXXX therefore it still shows up on my credit report. I have disputed this with Experian and Transunion. The Experian " investigation '' of disputes is automated and XXXX continues to just say the account was closed in XXXX without providing any evidence about anything involved my activities with the account after XXXX XXXX. The only response I got from XXXX was a form letter asking me for my address - which I had already given them on my first letter! They also asked me for the account no. which I had already given them in my first letter to the best of my ability ( their rep., who could easily find the account, refused to give me the complete no. over the phone - yet they ask me for it! ). Since I closed this account and never used it again after XXXX XXXX, which XXXX agrees with, they should correct the mistake of reporting a closed date in XXXX with XXXX and Experian. If they continue to claim otherwise they shold be required to document evidence supporting their actions. Their irresponsible negligence is holding up my ability to re-establish credit and I have a right to do that after seven years.

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 2021-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/21, I reached out to equifax by mail to inquire the method of verification for a chapter XXXX that was listed on my credit file with them according to XXXX XXXX and XXXX, I received a response by mail a little over 30 days later, informing me that no bankruptcy was listed in my credit file and that they would send me a copy of my credit report to show this. Once I received my report, a month later, I found that they were correct and due to seeing the given item was still reporting, I reached out to XXXX and was informed they can only report what equifax gives them. At this point, I don't know what how to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously requested that this agency validate the debt and they failed to do so. I have sent multiple certified letters starting in XX/XX/2018. The credit bureau removed the information and the collection agency placed the information back on my report almost one year later. Also I receive multiple calls a day from a VoIP number coming across as a local phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2021-11-03
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance {$0.00} XXXX XXXX-XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault

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 2018-04-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed my account without an explanation as to why but a letter to me stating that they had the right to close my account and they did. I made a complaint to CFPB and they responded that my account had been reinstated as of XX/XX/2018. As of now XX/XX/2018, the account is still closed. I have tried to reach the contact on the letter that was sent claiming the account had been reinstated a few times to no avail. Several messages have been left but no response and the account still closed.

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 2018-08-30
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Valley National bank has charged me fees when I transfer money from my XXXX account. Each time that I transfer from XXXX, it says it is free. Valley national bank did not provide information that they charge fees when using this mobile service, XXXX.

I have been charged for over 20 dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
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: Old information reappears or never goes away

Complaint:
HUD Title 1 Loan reporting on XXXX and US Department of Housing reporting on Experian has failed to remove this reporting from my credit report. The last payment was made in XXXX of 2014 the first delinquent payment was XXXX of 2014 it has been over seven years this negative reporting has been on my credit report. I am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report. HUD Title 1 Loan ( XXXX ) and US Department of Housing ( Experian ) As per section 609 I am entitled to see the source information which is the original contract that contains my signature and the following items. 

1. A copy of disclosure for the loan 2. Interest rate disclosure for the loan 3. Balance history of the loan 4. Payment history of the loan 5. Credit insurance for the loan

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 2021-10-11
Company: Central Portfolio Control 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 have reached out to XXXX, XXXX, AND XXXX to investigate some accounts and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00}

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!

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 2020-07-21
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Spoke to XXXX XXXX with Rocket Mortgage on XX/XX/2020. She declined my Mortgage application without verifying. My income and expenses were not properly verified and she rejected my application and did not call me back. She has caused damage to my credit and did not verify correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the XXXX  XXXX  account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!

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 2022-02-01
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
One Main financial secured a personal loan for a large amount and used my car worth {$4000.00} to secure a {$20000.00} personal loan. I fell behind due to a divorce and have been making smaller payments. They call over 10 times a day everyday. It is disrupting my work day and causing me additional stress.

Company response to consumer: Closed with non-monetary relief