BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans are current serviced by NAVIENT. Under the XX/XX/XXXX temporary PSLF waiver, I submitted XXXX No. XXXX Form for employment certification for employment dating back to XX/XX/XXXX. I have remained a nurse for XXXX XXXX Hospital and University since that time working full-time. The form has been signed and was submitted US Certified Mail with delivery confirmation on XX/XX/XXXX. The package was received by PHEAA on XX/XX/XXXX. Complaint also raised to US. Dept. of Education via Federal Student Aid ( FSA ). FSA Feedback Case No. XXXX for FSA XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried multiple times with initiating a dispute with TransUnion to get this fraudulent charge off account removed from off my credit report from TransUnion by sending in documentation supporting that claim by sending in a FTC report and a police report or XX/XX/XXXX and also by phone multiple times I contacted TransUnion on the XXXX and spoke to a representative and they told me that they can not accept the FTC report giving me the run-around and lying if I am sending in a police report stating that I am a victim of identity fraud they should remove it from off my credit report because it is not accurate I'm trying my best to work with the original creditor because I don't want to sue TransUnion or the original creditor this is giving me a headache or trying to get approved for loans credit card Etc

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX XXXX recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted XXXX XXXXy @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the XXXX XXXX no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the XXXX said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says capital one bank however, I have never banked with capital one and never have fallen behind on any of my credit cards with capital one. I have also contacted capital one and have been advised nothing has been sent by them to this collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: ERC
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: Account status incorrect

Complaint:
Enhanced Recovery Company is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX assured me that they pulled this from Enhanced Recovery and no other collection attempts and it would be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
State: OR
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:
My complaint is concerning Equifax and their credit score reporting methods. 

I submitted credit/debt collection errors through their website and, without addressing any of the issues, they lowered my credit score XXXX points. This represents a XXXX point difference between Equifax and other credit reporting agencies. 

There is no reason for Equifax to drop my credit score XXXX points. 

I want my credit score returned to normal and all of my submitted corrections to their inaccurate credit reporting repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
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: Account status incorrect

Complaint:
According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2022 I have contacted Transition about unathorized inquiries on my credit report. I have filed the correct FTC report as I was helped by a representative with Transunion. In caliinig now, they want me to file a new report and sign it, There is no area on the report or online to add a signature. This is a disgusting abuse of power.

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 2017-10-22
Company: Integrated Recovery Services
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX I received a email that Integrated Services was the collection Company that received the case from XXXX. For a total of XXXX I agreed for a settlement of XXXX to be paid in XXXX payments as follows ; XXXX/XXXX/XXXX XXXX} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX For a total of XXXX After I received this email I was told by XXXX XXXX XXXX that a processing fee of XXXX} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the XXXX XXXX XXXX on XXXX page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put XXXX payment as agreed for XXXX XXXX that same day about XXXX am est XXXX called XXXX XXXX and harass him about my XXXX payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they XXXX and made a withdrawal of XXXX. I requested a copy of my new balance with should be XXXX that was not send to me via email. If I do not reveive my new balance of XXXX I think this is a fraudulent transaction made by Integrated Recovery Services..I also requested that they contact me via US Postal Services XXXX no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/2010 I received a XXXX XXXX reward to pay for 60 % of my student loan debt in exchange for 2 years working w/ a XXXX XXXX XXXX. I completed my 2 years and applied for the 3rd year amendment which was an additional 25 % of the total debt for a total of 85 % to repay my student loans. XXXX rounded up to a starting balance of {$230000.00}. I received my reward money ( taxed income ) and paid SallieMae/Navient faithfully every month for 36 months to a tune of {$130000.00}. That should have erased my debt by that amount, but to date, the overall balance of both my federal and private loans is a little over {$220000.00} ... so after paying {$130000.00} in 3 years, my balance only reflects a {$9000.00} reduction in the overall debt. I've called to discuss this discrepancy and have not received a satisfactory answer. I feel that the government funds for which I was also taxed on, were misappropriated, thus leaving me w/ still higher payments. Please any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/2020, as we were considering refinancing our home mortgage, Quicken Loans approached me with match or beat offer ( attached ) directly addressed to me with their rates and numbers. Subsequently, I inquired XXXX XXXX XXXX their vp and others ) to find their most competitive rate. They were not very cooperative and kept referring to the rate of 3.316 % APR as written in the attached offer. 
However, I received better rate ( 2.75 % ) from another vendor ( XXXX XXXX XXXX ) and recently closed the refinancing with them. 
Following their instructions of the Quicken Loans Match or Beat offer, I submitted all the requisite papers to claim the small {$250.00} reward they promised. After much wasted time, an employee XXXX XXXX XXXX XXXX refused to provide me the {$250.00} reward with the excuse of not finding any record of my interactions with their people. As you may see in the claim offer, nowhere they said I needed to provide the logging details of my interaction as most of these people always insisted on communicating the numbers on the phone and not in writing which itself is very shady and unprofessional in nature. This employee admitted that no recorded logging and conversations were needed. 
Despite explaining all these, the Quicken rep XXXX XXXX XXXX kept refusing to honor the reward with excuses of not finding the record. I am attaching another email herewith from another quicken employee XXXX XXXX XXXX on this matter to show a proof of interaction. But since these people refused to provide any additional written refinancing rate term ( other than what I attached here in the match and beat offer XXXX, it is not possible for me to submit additional rate offer. 
Recently, I found out they will not give me any rate info without a formal application and running a hard credit on me which is unheard of and very unethical as an applicant must know the specific numbers, terms and conditions and accept before any application. I have provided them all the numbers of my financial information they were looking for, but did not get any written offer beyond the attached offer. 
As you can see that this ( including this match and beat offer ) is nothing but a very fraudulent scam by Quicken Loans. We need your help in stopping this scam and they must be forced to honor and provide their numbers and terms and conditions prior to any formal application or credit check as all any other reputable institution does.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Army and Air Force Exchange Service
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: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft MILITARYSTAR Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-12-09
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Equifax has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if Equifax has investigated properly before posting derogatory information. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2019 I was notified by my XXXX XXXX XXXX XXXX, that EQUIFAX was reporting my Credit Score 100 points less ( XXXX ) than the Other Credit Reporting Services XXXX  ( XXXX ) " I have NO Derogatory ... I contacted EQUIFAX via Chat, Individual just kept repeating her self not addressing the issue. Then after a half hour wait spoke with XXXX ( XXXX ) ( Supervisor ) who repeatedly stated that the score from Equifax 's Website was NOT their score ( even though their site provided and my Credit Union had roughly the same score ). This 100 point difference without a valid explanation, cost my family thousands of dollars in Interest being paid on debt. This is unacceptable, AND needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Meyer & Njus, P.A.
State: MI
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:
XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Rooms to Go credit card with Synchrony Bank with a monthly amount {$84.00} due on the XXXX of each month. I scheduled the Bill Pay through my XXXX XXXX account to be delivered by the XXXX of each month for {$84.00}. <P/>XXXX XXXX shows that the payment has been received each month before the XXXX for the full amount - not just the payment but the full amount is credited to my checking account for {$84.00}. <P/>Synchrony claims they receive the payments 1 day later. This has happened a couple of times and happened again in XX/XX/XXXX. According to XXXX XXXX, the check cleared on XXXX XXXX, 2017 but Synchrony posted it my Synchrony account on XX/XX/XXXX, thus triggering a finance charge and late fees.

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 2022-01-10
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of a XXXX XXXX unit on XX/XX/2021. 
I paid for storage from XX/XX/XXXX through XX/XX/XXXX. The company has a 5-day grace period for payment. They are attempting to charge me XXXX for the full month of XXXX. I refuse to pay since I did not occupy the unit, and even according to their own policy, I do not need to pay them.

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 2019-01-15
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As I graduated from the University XXXX XXXX in XX/XX/XXXX as a single mom my student loans became due. At various points throughout my repayment plan I needed an income based reduced payment plan. Navient NEVER offered me anything other than forbearance or deferment plans with accumulating interest. I could not afford full payment so I had no option. When I requested Navient review of my loans due to being a single mother working full time in the XXXX XXXX XXXX field as well as living in Section 8 housing and still not able to consistently pay the full amount of my monthly payments due to the non-negotiable 8 % interest rate I was told by Sallie Mae and then Navient that I didn't qualify because I had no property with which to secure the loan. 
My student loans, due to interest from these periods have now more than doubled to over {$100000.00}. In XX/XX/XXXX when I heard about the option for income based repayment with Navient due to their illegal practices prior, I immediately applied and was approved. 
THE PROBLEM Due to all of the accumulative interest, my now " income based '' payments don't even cover the ongoing accumulative interest on the principle plus interest balance of over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: FC HoldCo LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FLAGSHIP CRD. Account # : XXXX I have contacted this to remove this unauthorized account from my credit report on several occasions.

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