BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out a Parent Plus loan for my XXXX girls to go to college when I was going through a divorce. The original loan was XXXX and now is XXXX. I have tried the forbearance and have asked to receive the income-based application several times in which I never received I can not afford this loan I am single and an XXXX XXXX I barely survive on my own. When it was XXXX XXXX I was able to pay $ XXXX monthly and could do this. Now my payment is over {$300.00} and the interest and loan just keeps getting higher. I am at a loss with this. Navient has not delivered this income based application and I have asked several times. Not to mentioned the multiple emails and calls I receive for non-payment which I can not pay. This original loan has almost doubled. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I called their phone, but I didn't get any response. I tried to call several times. My card is not working, but I can't get a solution.I have been waiting, and my call is not connected manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and have attached proof. My health hasnt been good over the last years and my identity was stolen several years ago. In addition to false pretenses and mailbox theft and credit card theft, I was impersonated. I filed a sheriffs report and identity theft with FTC. 
I filed a CFPB complaint against Chase in 2018. Life got in the way to give feedback. 
Companys interim response on report reflects Chase tried to contact me on a number XXXX when my phone number and other contact info was listed on report.?? The number was used on several fraudulent transactions and I do not understand how and where they received this number. 
Chases position simply states fraud was denied after I filed sheriff 's report and FTC identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: PRONTO FINANCE 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Heritage Financial 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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint is in regard to a mortgage originated in XX/XX/2015 for a single-family, owner-occupied home in California. I think we are eligible to request cancelation of our PMI because our home has risen in value since our purchase, however I received a response that indicates we have not met " the seasoning requirement, '' which appears to be two years. Note : we have resided in the property since the loan 's origination in 2015. 

This home is in California, therefore it appears we should be eligible for relief based on Cal CC 2954.7. I have also directed my issue the California Department of Business Oversight Please advise if I am not reading the statute correctly. 

Thank you.

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 2019-04-07
Company: Trojan Professional Services, Inc.
State: MD
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:
The bill reported by Trogan was paid several years ago and was removed by XXXX XXXX, however you show it still being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, received two debit cards in the mail on XX/XX/XXXX. The debit cards were from XXXX XXXX and Illinois Unemployment. I found this suspicious so I took them to the police. They recommended that I check my credit reports. When I checked them my TransUnion report showed twenty-five loans from a company called XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. All loans were closed except four open accounts. The XXXX   report did not show any of these loans. The total amount in loans outstanding is {$290000.00}. I had not heard of this company nor did I do business with them. When I tried to call, XXXX XXXX XXXX XXXX, the phone number is not good. I tried finding them on the web and they do not exist to my knowledge. My bank, XXXX XXXX XXXX XXXX XXXX, pulled a credit report on XX/XX/XXXX and none of these loans appeared. I have filed a dispute with TransUnion and filed a claim with IdentyTheft.gov.

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 2021-03-29
Company: Experian Information Solutions 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:
Ive been a victim of identity theft, Ive sent FTC report to both XXXX and Experian. The following account doesnt belong to me. Please see attached copy of FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to United Revenue corp because I saw the collection on my report. I've never had a contract nor agreement with this company. They never contacted me back with proof of a contract or anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I opened a dispute with Experian regarding an account on my credit report that had been closed for many years and was negatively effecting my credit. As of XX/XX/XXXX the item had been on my credit for seven years and qualified per the Fair Credit Act to be removed from my credit report. Experian sent me a rejection letter stated the item would stay on my credit until XX/XX/XXXX, which would make it nearly nine years on my credit.

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 2020-09-23
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No contract with Procollect , inc . Creditor is listed as XXXX XXXX XXXX, who I used to be employed with. I never entered into any loan agreements, This debt is hurting my credit during a time of crisis.

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi CRA / XXXX XXXX XXXX ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. 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 2021-04-30
Company: CREDIT ACCEPTANCE CORPORATION
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:
I have previously submitted a complaint with the CFPB ID # XXXX Credit acceptance corrected my credit report. We worked to create a payment plan for the months of XXXX, XXXX and then by XX/XX/XXXX I needed to pay a full regular payment to them. I have complied to each payment arrangement including paying a full payment in XXXX and paying more than what was required. On XX/XX/21 I received a notice from both credit bureaus that Credit Acceptance is once again reporting me 120 days late. This is unacceptable and needs corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Experian Information Solutions Inc.
State: LA
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:
This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately

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 2018-07-30
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owe a debt of {$3600.00}. I'v gotten four letters from this debt collector in the same month of XX/XX/XXXX and XX/XX/2018. I called and told then I was on SSI. I was told to send in an Award Letter which I did. Along with the Award Letter I sent in a Judgement Proof Letter. I called a week later after receiving the second so called Summons to  ask if it was receives. I was told it was on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Real Time Group, Inc.
State: VA
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:
Company name is Real Time Resolutions. 

I paid this account through a settlement in XXXX of 2020. The account shows as closed but still reports as delinquent and the account missed payments will not age due to the way Real Time is reporting this as delinquent. I have reached out to them several times and filed at least 3 disputes. They have sent a letter to me which I will attach, however they still have not removed the delinquent status from my account. Please let me know if you can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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: Problem with personal statement of dispute

Complaint:
YES THIS PROBLEM HAS BEEN ONGOING WITH ME SINCE EQUIFAX BREACH MY PERSONAL INFORMATION TO THE WORLD AND THE DARK WEB. I HAVE BEEN IN A PURE AND UTTER DISTRUCTION TRYING TO GET MY REPORT BACK ON TRACK. BEFORE THE BREACH MY CREDIT SCORE WAS FAIR ACROSS THE XXXX COMPANYS. EVERY TIME I GET XXXX FRAUGLENT ACCOUNT OFF THE SAME DAY THEY PLACE ANOTHER XXXX ON. EVERY TIME I GET MY SCORE INTO THE FAIR ZONE THEY ADD A FRAUDLENT ACCOUNT. NOW THAT I HAVE GOTTEN ALL THE FRAUDLENT ACCOUNTS OFF.. MY SCORE HAS DROP BY XXXX POINTS WITH NO NEGATIVE CHANGES TO MY CREDIT FILE. WHEN FOR 2 MONTHS THE DEGROTORY ACCOUNT S WHERE ON MY FILE AS CLOSE ACCOUNTS NO REPORT STATUS. NOW THAT THEY HAVE BEEN REMOVED AND I HAVE XXXX ACCOUNT THAT ARE ALL IN GOOD STANDING. MY CREDIT SCORE HAS DROP XXXX POINTS WHEN I CALLED THEY COULD NOT SAY WHY. NOW I HAVE LESS ACCOUNT WITH THE OTHER CREDIT COMPANYS AND MY SCORE IS XXXX / FAIR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: IQOR US INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls four times a day, EVERY day ( even Sundays ), with recording or just hangs up. Has not sent anything in writing. Calls cell phone, unknown how they got # because I do not give it out. Has called son 's cell phone and is also calling XXXX daughter 's cell phone. I have written a Cease & Desist letter requesting the constant barrage of calls to stop.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX points, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with XXXX. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help! Thank you.

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 2018-05-04
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: Account status incorrect

Complaint:
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.

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 2021-03-29
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
To Whom It May Concern, I recently closed my HSA with UMB Bank. The account was opened with my previous employer XXXX XXXX because it was the only option for their HSA. I didn't have a choice of banks and not opening an account meant forfeiting my employer 's HSA contribution. 

When I changed jobs, UMB Bank started charging {$2.00} per month for a " service charge '' and an additional {$3.00} per month for an " Investment Account Administration Fee ''. I managed my own investment for the HSA account by choosing low-fee Vanguard funds, so I am not aware of what " service '' UMB Bank was providing for the money.

Once I realized how much money was wasted per year on these " services '', I chose to transfer my balance to another bank that has {$0.00} service fees for an invested HSA account. However, UMB Bank charged me {$25.00} for a " Closure Fee ''. Charging an account closure fee for an account open for several years and which I never had an opportunity to opt-out of is not reasonable. 

I have contacted UMB Bank twice to request reversal of the account closure fee. In the first call on XX/XX/2021, a UMB Bank representative said they had an account closing document signed by me that included the {$25.00} closure fee. I requested they email it to me. The document they emailed was from XXXX about doing an account balance transfer and did not include any language about an account closure fee for UMB Bank. In my second call on XX/XX/2021, UMB Bank insisted they could not reverse the closure fee. I informed them at that time that I would file a complaint with the Consumer Financial Protection Bureau. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation