BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Navient Solutions, LLC.
State: ND
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:
I went through a Chapter XXXX bankruptcy in XXXX. In XXXX the bankruptcy was reopened in regards to my student loans. A settlement was reached with Sallie Mae in which I would pay {$260.00} a month at 3 % interest for 30 years. I started sending the money. Sallie Mae would cash the checks and then refund the money to me. I would send more, they would send it back. My lawyer contacted their lawyer and was told the problem was fixed. I would send them money, they would send it back ( I have bank statements to back this up ).  After over a year I stopped sending money to force them to contact me so we could settle the issue. They never did. Ten years later in XX/XX/XXXX I received a letter from Navient that my forbearance was approved and that payments would start in XX/XX/XXXX, however I now owe {$130000.00}, {$880.00} a month for 30 years. I sent a letter with a copy of the court order stating what I owed and the terms and they replied that they had no idea about the court order, that I had not made any payments since XXXX, and that I still owe {$130000.00}. 
I never asked for a forbearance, especially one that lasted ten years. I was never notified of the change in address to forward payments when Sallie Mae switched to Navient. They have not been able to explain why the loans were in " hibernation '' for ten years. Sallie Mae never accepted any of my money after the court order. How can they sit on a loan for ten years, double the amount, after the affair was settled in Federal Court?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Radius Global Solutions LLC
State: TX
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:
Recently I was notified by XXXX  that a fraudulent account XXXX {$340.00} was being reported by Radius Global Solution. Radius Global Solution has never communicated with me about this fraudulent account. This account is not mine. Radius Global Solution has violated my rights under the FCRA. This fraudulent account they are reporting to XXXX  is having a adverse effect on my credit rating.

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 2021-01-08
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2017 I obtained a secured credit card with Discover. I put a {$500.00} deposit in place at that time. I had not used credit at all for over 15 years so essentially had no credit, as opposed to bad credit. I got the card to facilitate transactions like car rentals, etc. that require credit cards.

I was told that after " a few '' months I could get my deposit back. that has not occurred despite making timely payments for about 18 months and never carrying a balance. My credit scores on XX/XX/XXXX and XX/XX/XXXX are between XXXX and XXXX with no late pays and no collections. I have since been offered unsecured credit up to {$15000.00} while I can't even get my {$500.00} deposit back from Discover.

Also, my payments are frequently held for several ( usually 10 ) days in spite of the fact that they have always cleared the bank and have always been early or at the latest on the due date. I keep being told this is for " security purposes '', but this is nonsense and just another way for them to make money on payments they already have in the bank. This is both unethical and illegal and it needs to stop. Discover employees have - including this past week when they put a payment on hold - have admitted it is a random process that has not real purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
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:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/2015 XXXX : {$500.00}

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 non-monetary relief
Consumer complaint received 2020-01-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The name of the company is XXXX XXXX XXXX, and they bullied me basically into setting up payments for an old credit card debt that I had in the past. They threatened me by saying things like we will sue you, and they said someone would either come to my home or my job to serve me with papers if I didn't set up payments immediately. There phone number that was given to me is XXXX, and the fax number is XXXX. They have literally gotten close to 5 {$500.00} out of my checking account. And it is making me sick to know that I was scammed like this. 

I have since tried to contact them regarding my account, but the phone appears to be disconnected. And the email that is on their letterhead seems to be false also. The email is XXXX If needed, I can provide emails that were sent back and forth between me and the company. 

There is also another letterhead of a company with whom they may have dealings with. The name of the company is XXXX XXXX  XXXX, and their info is below : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: P&B Capital Group, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of this year, I spoke with a representative of P & B Capital Group by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called my mortgage company several times in attempt to bring my account current I am the deed owner of my property and I am trying to take advantage of all the government options available to me in order to initiate a partial claim and push my past due payments to the end of the note when I purchased my house I purchased it with an ex-boyfriend 10 years ago but I am the deed owner to the property.I need assistance in finding ways to bring my account current I am not understanding why it requires his signature since I have no communication with him and I have been living in this property and handling all house payments for the past 10 years Im running out of options

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: AmerAssist A/R Solutions, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my teeth. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my teeth scanned. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX direct trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: OH
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:
I have identified information on my reports that are a result of identity theft. These items are not a result of any action by me. I have attached the FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted repeatedly to Equifax and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  XXXX  XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I went into forbearance due to COVID and my wife not working. I received letters this year from Navy Federal Credit Union saying in XX/XX/XXXX my forbearance would end because it has been 12 months and I would have to complete the loan modification, as they said that was the only option. Shortly after signing the loan modification, a friend told me there were two more three month extensions authorized by the XXXX in XXXX of XXXX that Navy Federal did not make an option for me and was an option at the time I was told I had to complete the loan modification. I have asked them to please allow me to utilize the extensions and they said they cant. I explained I was not told of the two three month forbearance extensions at the time I signed my forbearance and should be allowed to use the extension in the Cares Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Their investigation did not fix an error on your report

Complaint:
CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX  and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.

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 2021-07-07
Company: COMMERCIAL SERVICES GROUP, INC.
State: IL
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 am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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 status incorrect

Complaint:
I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AL
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : 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 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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 paid {$200.00} on my capital one opeiu credit card before the due date and they charged me an past due fee. I finally got my payment on track and they charge me fees to keep me under water.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX, in XXXX Oklahoma, has reported our mortgage payment to have been late over 30 days twice. This is not the case. I would like a statement specifying exactly which month XXXX XXXX is claiming we were late on a payment, as this was set up as an auto draw. A falling out occurred between XXXX XXXX ( spouse ) and XXXX XXXX, President or vice president of XXXX XXXX, Regarding the new financing of a new home in XXXX of this year, 2017. XXXX XXXX did send a text to XXXX XXXX advising him it was not wise to use another bank However ; using another bank does not justify the false reporting of late payments. I have tried to call several times and have not received an answer from XXXX XXXX. Please advise why late payments are showing as derogatory credit on my credit report when zero payments have been late or 30 days late. Thank you 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