BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I paid off my student loan which was being collected by XXXX. They confirmed that they were the collection company servicing my student loan debt. I called to ask about my interest statements for the two years it took to pay off my loan and my payoff letter that I never received. I was told that I needed to contact the post payoff company, Navient Solutions, I called them and told them that I did not receive an interest paid XXXX for either tax year, XX/XX/XXXX or XX/XX/XXXX and I did not receive a payoff letter in XX/XX/XXXX after the debt was satisfied. I have called and spoken to representatives and supervisors of Navient on XX/XX/XXXX ; XX/XX/XXXX and again on XX/XX/XXXX. Each time I was told " we sent it out '' and they confirmed my mailing address provided by my employer and confirmed by me. I am entitled to the benefit of my tax documents and a payoff letter. I was never told who I was speaking with until I specifically asked for the company name and mailing address. I was given Navient Corp., XXXX, PA XXXX. I later discovered through online research, this was not a complete mailing address, the correct address is : XXXX, PA XXXX. Would you please assist me in obtaining my interest statements for XX/XX/XXXX and XX/XX/XXXX and my payoff letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: GreenSky, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i HAVE NEVERXXXX BEEN LATE WITH COUPLE ALWAYS MADE MY PAYMENT ON TIME EXCEPT THIS ONE TIME WHEN i DID NOT RECEIVE A BILLING STATEMENT AS USUAL AND i CONTACTED THEM TO WHERE TO MAIL MY PAYMENTS SO THE ADDRESS WOULD BE CORRECT THEY delayed giving me the correct address but it was mailed four days ago to XXXX which is the next city over fom mine. then tonight at XXXX they called me and wanted to collect the payment I told them i had already sent it to XXXX four days earlier and the they still wanted me to pay them tonight. I told them that they had called at almost XXXX at night and they state they are debt collectors. The girl could not understand that I had paid my payment and she isiseted that i pay it to avoid late charges. don ' like getting calls late at night

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: PNC Bank N.A.
State: WI
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:
I had a HELOC loan with PNC bank which was paid in full and should have been closed on XX/XX/2021. It is still shown as active. This is adversely affecting my credit rating and my ability to secure a mortgage. I have called twice with no change in status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When I signed up for XXXX XXXX I was under that this was the best career to go into. They did not explain that I would end up paying over XXXX. I did not understand the interest on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient by far is the worst student loan provider. I am not available during their business hours to talk about the services of my loan. I received and email stating " the program I am entered in is ending XXXX 2017 ''. I took the proper action in writing to them asking how much my payments would go up -- as I can not talk on phone during their business hours as I am working and paid to do so not talk about personal affairs. I have tried for 3 days to get the amount of how much this loan will be going up. NO ONE has been able to answer my question. They all say to call even though I CAN NOT TALK DURING WORK HOURS. I have put in writing that if I am in auto pay that this new amount whatever it is ( since again they will not disclose nor on the website any where does it state what the new amount will be ). They do NOT HAVE PERMISSION to deduct any amount other then I agreed to of XXXX. ( which Is all in writing in several several emails as well ). AS no permission will be granted. I am looking for disclosure of my loans. If they can send out an email stating that this program I entered is going up -- some where on their site MY INFORMATION should be made available. But nobody is willing to direct me in any direction nor let me know where to look! As I am waiting for the end of the month to make sure THERE IS NO NEW DEDUCTIONS, as I have everything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TexCap Financial, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON OR ABOUT XXXX 2017, I RECEIVED A CALL FROM SOMEONE, WHO DID NOT GIVE ME THE CORRECT NAME, THAT WAS ATTEMPTING TO COLLECT A DEBT FROM ME, XXXX XXXX, I PURCHASED A VEHICLE FROM TEXCAP BACK IN XXXX 2017, FROM XXXX TO XXXX I HAVE NOT MISSED ANY PAYMENTS, I DID SOME RESEARCH ON TEXCAP, AND FOUND OUT THEY ARE NOT REGISTERED WITH THE STATE OF TEXAS, TO PRACTICE FINANCE AUTOMOBILES, THIS INFORMATION I GOT WAS THROUGH THE SEC OF STATE OF TEXAS, TX IS WHERE I LIVE AND WHERE TEXCAP IS PRACTICING BUSINESS, AND THEIR BUSINESS LOCATION, ON XXXX XXXX, A DEBT COLLECTOR CONTACTED ME, BECAUSE I MAILED IN A CASHIERS CHECK TO TEXCAP FOR MY XXXX PAYMENT OF {$670.00} ALONG WITH MY LETTER OF ALL RIGHTS RESERVED NOTICE, ASKING THEM TO PROVE THE DEBT? THAT IS WHEN THE DEBT COLLECTOR CALLED ME, VERY ANGRY AND DISRESPECTFUL, ON A RECORDED CALL FROM MY END, THAT I HAVE INSTALLED ON MY LINE, TELLING ME, HE DO NOT HAVE TO VALIDATE THE DEBT, HE IS CHARGING ME AT ALL, HE SAID IT OVER AND OVER THAT TEXCAP DO NOT HAVE TO PROVE, THE DEBT, AND SINCE I SENT TO THEM A NOTICE THAT WAS NOTARIZED ALONG WITH MY PAYMENT, TO LET TEXCAP KNOW, UNLESS THEY SEND PROOF OF THE VALIDATION OF THE DEBT, THE PAYMENT BEING MADE IS FINAL, I PUT ON THE MEMO OF THE CASHIERS CHECK " CONDITIONAL ACCEPTANCE '' MEANING THAT IS FINAL PAYMENT IF ACCEPTED. I MAILED IT BY US POSTAL CERTIFIED ALONG WITH MY " NOTICE '', NOW TEXCAP AFTER REFUSING TO PROVIDE PROOF OF THE DEBT, THEY ARE HARASSING ME WITH PHONE CALLS AND MAILING BILLS TO ME, AND THEY THREATENED TO TAKE MY TRUCK, EVEN THOUGH, I HAVE ASKED THEM IN WRITING TO VALIDATE THE DEBT, AND THEY ARE REFUSING TO COOPERATE ON PURPOSE BECAUSE THEY ARE COMMITTING FRAUD, I AM SENDING IN PROOF OF THE EVERYTHING, THAT I HAVE DONE TO NOTIFY THEM, AS WELL OF THE BILLS THEY ARE CONTINUING TO MAIL TO ME AFTER BEING ASKED TO DISCONTINUE NOTIFYING ME UNTIL THEY PROVIDE THEIR PROOF OF VALIDATION OF DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$510.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting 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 explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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:
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 of 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 2021-11-25
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Based on the new requirements for Public Records I have filed disputes with Transunion, XXXX and XXXX to remove my tax lien based on it lacking a full SS # or D.O.B.
I disputed 2 times with XXXX and they just last week removed the lien.
With XXXX I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution.
With Transunion, I disputed first on line the week of XX/XX/XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XX/XX/XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XX/XX/XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XX/XX/XXXXI found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XX/XX/XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it.
I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.

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 2015-05-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, I sent Experian a certified letter requesting that they investigate information on my credit report as the information is outdated, inaccurate, and or does not belong to me. Experian signed for the letter on XXXX XXXX, 2015, to which I advised them that they had 30days to investigate my request and respond accordingly. On XXXX XXXX, 2015, I sent a follow up letter to Experian in which they signed for on XXXX XXXX, 2015, which i advised them that 30 days have past and i have not yet received proof that they have validated the information. I advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit, bureau, I requested that they immediately delete the information from my credit report. As of this XXXX day of XXXX, Experian has not complied with my request, which is a violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have submitted a dispute to XXXX as well as credit bureaus about XXXX derogatory accounts listed on my credit report in error, but they have not removed the accounts from my credit. In XX/XX/XXXX my father paid in full all outstanding student loan debt to Sallie Mae ( now Navient ). In XX/XX/XXXX XXXX XXXX years after the accounts were paid in full ), XXXX Mae/XXXX listed the same XXXX loans on my credit with derogatory payment history during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is impossible to be " late '' on payments on accounts with a zero balance. I have contacted XXXX by phone once and in writing once. I have submitted a formal dispute to the credit bureaus once. The outcome was that Sallie Mae/XXXX was able to validate the debts. Again, there is absolutely NO POSSIBLE WAY that they can validate derogatory payment history on accounts with a XXXX balance since XX/XX/XXXX - that 's XXXX years ago, beyond the statute of limitations for reporting negative credit history. I do not want to go through litigation, but if these accounts are not removed, I will hire the best consumer law attorney that I can find to represent me, and I will seek the greatest possible compensation for Sallie Mae/XXXX violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses from 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 explanation
Consumer complaint received 2021-10-14
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: Personal information incorrect

Complaint:
Please update my current address to : XXXX XXXX XXXX XXXX, NY XXXX Remove all previous addresses from 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 explanation
Consumer complaint received 2016-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX / XX/XX/XXXX, I had XXXX Bank of America ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. 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 2021-10-14
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had private loans with Access Group since 2001, and I have made payments and remained current on these loans for over 20 years. Access has consistently been deceptive with how they have applied payments- for example using extra payments to apply to interest instead of principal. The first time I was ever late on student loan payments was due to Covid. I am a single mom with XXXX young children, and I was left unemployed and homeschooling my kids for a significant period of time. I was under the impression that I was on a forbearance with Access Group. I attempted to contact Access group and was told that my loans were sold to XXXX -- -- in reality the loans were sold to a predatory collection company - XXXX XXXX -- that has been calling me as well as my family members. I just want my loans to go back to the loan servicer so that I can continue to make my payments- and not in collections which has devastated my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I dont know who ASSETCARE is and tomorrow Im opting out of XXXX XXXX and XXXX XXXX Ive XXXXn phone calls from six in the morning till XXXXXXXX XXXX Ive Disputed this with XXXX they took it off in three months later put it back on because and the balance is incorrect because the creditor has two different other Balance on XXXX XXXX and XXXX and I am opting out of them tomorrow morning. I dont know woh ASSETCARE is And I am tired of the harassment.

Company response to consumer: Closed with non-monetary relief