BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-11
Company: Navient Solutions, LLC.
State: GA
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:
Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form..
<P/>
Last request/response from Navient : Navient stated that my  XXXX  tax return was no longer a valid form of income verification because it was now outside the first Quarter of  XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan.
Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX  ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date  XX/XX/XXXX  ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing.
I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them 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 explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and XXXX XXXX LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with Equifax on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with Equifax and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with Transunion on XX/XX/XXXX and XXXX XXXX LIED to Transunion stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to transunion that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with transunion on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I remember applying for a XXXX XXXX credit card in store, but due to me moving a lot & living from person to person. I never received a credit card from them. And today I received a paper from the courts saying that I owe money to a account that I never knew about. Not sure what to do, I believe someone is using that credit card in Florida to buy things. And I am currently in Georgia not Florida for the last few years. Need help resolving, please & thank you! 

Claim is for {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I.Q DATA INTERNATIONAL dba : XXXX XXXX XXXX, VIOLATED STATE OF ARKANSAS CONSUMER LAWS. ATTACHED PLEASE FIND LAWSUIT BEING SERVE TO YOUR FIRM VIA CFPB PORTAL. SEE YOU IN COURT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: Navient Solutions, LLC.
State: AL
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:
My loans ( Direct subsidized and Direct unsubsidized ) were transferred to XXXX in XX/XX/2018. Since this time NONE of the payments that I made to Navient ( 43 payments ) or Sallie Mae ( 7 payments ) before the transfer have been counted by XXXX. The three attachments show my payments made to Navient and the corresponding missing information in the XXXX online system. Under PSLF and TEPSLF payment counts XXXX shows these dates as you do not have a bill due for this period and counted as ineligible payments. This is not correct. Nearly {$35000.00} in payments that I made toward my PSLF are not in their system. I have made 169 total payments ( out of the required 120 ) and need to have this payment information corrected for PSLF. I have contacted XXXX and Navient multiple times about this with no assistance. I have called and spent hours on the phone to be disconnected. I have filed a complaint with the US Dept Education and received an email on XX/XX/XXXX ( case XXXX ) that I would hear from the case worker in 15 days and that it should be resolved in 30 days. I can not get an update by email or a returned phone call. This needs to be corrected before the {$1000.00} monthly payments resume in XXXX. I have completed al requirements under the revised PSLF guidelines. This information needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have attached a file below proof of the case with common pleas court that i won a law suit against XXXX XXXX for XXXX and settlement to arise out of the purchase this settlement was confirmed by Judge XXXX XXXX. Case number XXXX i won a lawsuit against XXXX XXXX  for Dealership fraud of over charging me. Please remove this loan from our credit reports or i will take this to the Ohio Attorney General XXXX XXXX. If this is not removed within 15 business days i will exercise my rights to XXXX XXXX. This is all due to auto fraud and lemon car from XXXX XXXX. I have an open pending case with the ohio attorney general if this is not taken care of XXXX  had told me to file another complaint and if it is denied he will be taking over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: A & O Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2012 the apartment l was renting flooded.l had to move quickly and at the time the light bill was only {$210.00}. I called to cancel service but they didnt and continued to bill me. When l realized the bill was almost {$400.00} and it went into collections.l tried to call them last month to see what they could do because the amount was wrong and they told me nothing.The lady on the phone was very rude.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with Lexis Nexis due to the inaccurate and derogatory item on my consumer report. On XX/XX/XXXX. 2021 I sent a letter out to XXXX, XXXX and XXXX notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

XXXX removed this inaccurate reporting immediately, however, XXXX and XXXX  did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to Lexis Nexis that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. 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 602 A section 2 : It also states consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-02-29
Company: Lamont, Hanley & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical insurance company threw me into collections in the fall of 2019. 
The name of my medical insurance company is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Their Tel : ( XXXX ) XXXX. Their reason : XXXX paid the claim amount directly to me and not to the hospital. 

It took XXXX XXXX XXXX over a year to prove it, though. I had to repeatedly ask for a copy of their cancelled check. After a year, they found it and sent it to me by mail. I began to make regular monthly payments on the total amount I owed {$760.00} I am disputing the conduct and fraudulent billing of the collection agency XXXX XXXX XXXX used. The collection company is : Lamont , Hanley & Associates , Inc., XXXX. XXXX XXXX, XXXX, NH XXXX Their Tel : ( XXXX ) XXXX. 

I have paid the total amount I owed of {$760.00} IN FULL by XX/XX/2019. Yet, this collection agency continues to send me bills of arbitrary amounts, requesting payment. I have called, written, left messages to this collection agency, demanding them to stop this. Nothing has worked. 

I even sent this collection agency copies of my cancelled checks ( front & back ) to prove I paid them the amount in full. By the way, I paid them all of the {$760.00} in less than 3 months. 

Today, I received yet another fraudulent notice, that I am in collections for non-payment. 
Please, investigate this collection agency. And, please investigate XXXX XXXX XXXX for using this agency. After all, XXXX XXXX XXXX should be accountable for who they choose to represent their company. Thank you for your kind assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
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:
Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX   XXXX   XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from   XXXX    XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a   ) ( 5 )   ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd  parties you are damaging my reputation and credit worthiness.  <P/> Under the F CRA 15 U.S.C. 1681i, all un verified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have corresponded with Experian Credit Reporting numerous times in an attempt to get a wrongfully applied negative item removed from credit report. I have attached letters written to both XXXX XXXX and Experian detailing the events and circumstances leading up to this matter. 
Should you have any questions or require additional documentation feel free to contact me. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX Email 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 non-monetary relief
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX, issues hard inquiries on my account on XX/XX/2018, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. I never requested XXXX XXXX XXXX services or authorized them. 
Initially I raised a dispute with Equifax ( Equifax Dispute Confirmation # XXXX ) but aren't of any help. Asked me to check with XXXX XXXX XXXX services. 
Today I called XXXX XXXX XXXX services and they are saying your mobile number is not associated with any of our services and asked me to check with my creditor ( Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Reliable Credit Association, Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company does not notify you that you need to change your password, instead locks your account when you attempt to log in and the " Forgot Password '' query does not work, no emails get sent to the email provided, you need to speak with a representative, they are providing fake options to consumers. If this happens after 5:00 pm or on the weekends there is literally no one available to help, meaning that the bill you tried to pay three days early suddenly becomes PAST DUE because this company does not allow you to get any customer support when you need it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries. I want them blocked and removed. 
1. Experian Business Credit XX/XX/2022 2. XXXX XX/XX/2022 3. XXXX XXXX XXXX XXXX XX/XX/2022 4. XXXX XXXX XXXXXX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: Capital Accounts, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
collection agency Capital accounts which is a debt collection agency was paid the debt received a receipt of which I paid the amount owed but will not report that debt was paid to XXXX, or XXXX need them to correct this.

Company response to consumer: Closed with explanation