BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I applied to consolidate all of my student loans the month before I graduated from XXXX. I also made sure to apply for consolidation once my grace period ends which is an option when applying. Instead of listening to my wishes they went ahead and consolidated half of my student loans ( federal grad plus loans ) immediately, refused to cancel the consolidation, and are not trying to make me pay my loans back even though I just graduated from school In XX/XX/2016 and have 6 months of grace period on all of my federal loans to where I do not have to pay so I can find a job and save. I have fought with them over email and phone since XXXX and they refuse to cancel my consolidation or put my status back into grace period. The other half of my student loans are in grace period since I just graduated but they refuse to listen to me and are making me pay when I can not. My credit will takea hit because I can not pay my student loans. They are going against federal law stating that I do not have a 6 month grace period even though I just graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
FRCA Violation late payments on credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation late payments loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRCA Violation collection LVNV FUNDING LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: SC
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:
I submitted a dispute to Equifax over a collection item on my account on XX/XX/XXXX. It is now XX/XX/XXXX and the dispute is still showing as PENDING on my account. I called Equifax and they could not help me and did not offer to put me in touch with someone who could help me. I can not re-submit the dispute nor has it been removed or validated. So this invalid collection is stuck on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the month of XX/XX/2022, they charged me a late payment fee of {$29.00}, and in XXXX {$40.00} they keep increasing the fees higher and higher. This is unfair to the way they treat customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Lady from port folio recovery services called and disclosed a debt from XXXX XXXX that they are collecting for they told the person of the account details and they are not authorized on the account to recieve info. The used XXXX to locate numbers of references and near bys to locate and disclose information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON MY BEHALF WITHOUT ANY THIRD PARTY OF INFLUENCE PLEASE SEE ATTACHED DOCUMENTS AS THEY STATE MY FULL COMPLAINT

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 2015-11-09
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX located in XXXX, PA from XX/XX/XXXX to XX/XX/XXXX. In order to attend XXXX XXXX I received private student loans through the National Collegiate Trust. Upon graduation in XX/XX/XXXX, I have experienced difficulty paying my loans back due to poor wages and the birth of a XXXX child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT has hired XXXX XXXX to handle the collection of the balance, despite the fact that XXXX XXXX XXXX manages to the payment schedule. XXXX XXXX called me XX/XX/XXXX and indicated that if I did not pay the loan or my cosigner did not pay, then NCT would liquidate the loan. At this point the associate indicated that they would then go after my co-signers ( my mother ) bank account and income. It is my understanding that this is improper behavior on the associates end and is threatening in nature. At this point no judgement have been rendered, so threatening to wipe out my bank accounts is egregiously out of line. It is also my understanding through research and communications with American Educational Services and National Collegiate Trust that XXXX XXXX is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Spoke to a rep at Capital one auto finance on XXXX/XXXX/XXXX named XXXX regarding them showing XXXX late payments on my account. I explained that my husband was XXXX XXXX military and he requested this loan be put on allotment. His finance department said it went through and he XXXX to XXXX. Well the allotment did n't go through so I called in to make other arrangements while waiting on the allotment to start. I have been fighting this since XXXX and would greatly appreciate if the late payments can be removed due to him trying to set this up before XXXX our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TransferWise Ltd
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I placed an order with XXXX XXXX XXXX for XXXX XXXX with XXXX XXXX the businesses owner. The total amount was XXXX XXXX and had agreed I would receive by XXXX XXXX or XX/XX/2022. We had agreed on me paying 50 % ( XXXX XXXX ) on that date XX/XX/2022 the rest by XXXX XXXX so they could have it on there account by XX/XX/XXXX XXXX. I kept insisting on getting receipt once they received on XX/XX/2022 and stopped getting response from business owner.I deposit remaining half {$350.00} on XX/XX/2022 get informed issues with finding flight for our package. I asked for a refund and kept calling and he blocked me since he was not responding. Finally when Im able to get a hold on XXXX XXXX asks for my bank info to process refund. I then get a refund receipt. I check it everything looked fine except no tracking number for wire transfer. It has been 6 days and I still do not receive refund. I reach out to ask for more information and I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2022 my BJ 's Commenity Bank XXXX XXXX charged me interest of {$100.00}. I have my card paid in full and automatically debited from my account, so an interest fee is not even possible. When I called to report the error the representative told me I would received something in the mail about my complaint to begin to resolve it. Nothing has come after waiting two months. Very frustrated and looking forward to the agency helping me get my money back. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06
Company: Timothy C. Runyan, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The plaintiff said that my wife 's part of this debt was discharged but my part of this debt was not, i, had no part of this debt, he cleverly took upon him self to give me a part of this debt, and will not prove it., neither no contract, i had nothing to do with this debt, somewhere I keep reading that he has a duty to show me how when and where I accepted or own this debt.i have to fight this because it 's my right. Even this false judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: LEXISNEXIS
State: TN
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:
The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX. Email : XXXX XXXX XXXX XXXX On XX/XX/XXXX this collection agency fraudulently placed a collection account on my national credit file which negatively impacts my credit file and score.They are attempting to collect a debt that does not belong to me. i signed a roommate agreement in XXXX. I contacted the owner of the account, XXXX XXXX  on XX/XX/XXXX, and spoke with leasing agent XXXX. She pulled my file and confirmed I was not listed on the lease and do not owe them any money. She also confirmed XXXX XXXX is solely responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: SC
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 reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I learned that when I first received my loan I was called a week after and told by the agent that he was sorry that he put me in a bad loan and after 6-8 months I should refinance my loan as quick as possible. With all of that said and the attorney that I was working with also said it after the fact that it was n't any good. I have been trying to get a modification on my loan for the longest. I have went to several different people that said they could help me withe modification but only took my money and did nothing. I have also went to attorneys to seek legal help and they too only took my money. I have been seeking help for some time and every time some one tells me that the bank is going to give you the modification they turn it over to another server.My loan has been turned over to about XXXX different servers that at one point has said yes and then given it to another server to say no. 
And from my understanding no one is supposed to be paying for a loan modification but yet I have been paying thru the nose. The attorney that I have now has put me in a chapter XXXX and I have been paying the trustee and was paying good faith payments and the attorney said that I have a modification, only to find out a week later that it was turned over to another server and they said no that they will not give me the modification. He then told me that maybe I was XXXX XXXX and the banks can do whatever they wanted to do! On top of the trustee paying him {$18000.00} to do a loan modification. I really need someone to help me with this. How is it that the trustee is paying him all of this money to get a modification? Plus they want me to pay them XXXX for when I stop paying when they transferred the loan to the other server and {$14000.00} for the taxes that are due right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX, I received a call from Nordstrom Card Services from a lady by the name of XXXX. I had reported several charges amounting to over {$27000.00} to them that I found on my statements from the same merchant over and over. I made it clear to them this is not a dispute for a charge I made but rather a completely fraudulent charge, she proceeded to tell me due to the time limit she could not find enough evidence that these were fraudulent. I asked why cant she directly call the company that made these charges to see why I was charged and find out who charged my card. She said she wasnt going to do that. She repeatedly told me untrue facts regarding the guidelines for fraudulent charges and then when I made her aware I knew what the guidelines were she changed her story, i did not make these charges they are 100 % Fraudulent and Im asking them to prove they are not fraudulent but instead shes wants to just say she cant label them fraudulent or credit my account. Every company has a way of going to the merchant to prove why these Charges were made Nordstrom has not even done that. Their policy is 0 % liability for fraudulent charges and that is false advertising. I demand a full investigation into these charges and want to be credited back my money I paid them. The same merchants have charges 6 other credit cards of mine and I have filed those as well, I offered to send her proof of that she said that wasnt good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for Equifax, XXXX, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my Transunion and XXXX credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my Transunion file. As a result an inquiry now appears from XXXX   Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact XXXX  using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted Transunion dispute department on XX/XX/2020. According to Transunion it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover Transunion informed me that they do not have any further information as to the specific company outside of XXXX that requested to view my file. 

Despite contacting both Transunion and XXXX I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.

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