BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been working in a XXXX XXXX for the last 9 years. My loan was sold from XXXX XXXX to Navient in XX/XX/XXXX. I was under the impression from Navient, starting in XX/XX/XXXX that I was making payments under the IBR ( Income Based Repayment ) plan, and these payments would go towards the Loan Forgiveness program for being employees through a XXXX XXXX  that is in a high risk community. They assured me and provided a spread sheet showing IBR payments and tallying how many towards the 120 payments that were required. Then,XX/XX/XXXX, I filled out the government form to track how many payments were left, since I made about 96 payments, so I could have my loan forgiven and I was told that there was no record of my payments, and I was supposed to consolidate with XXXX XXXX even though Navient miss lead me stating that it was consolidated. I consolidated with XXXX, and now Navient is stating that they have no record of any payments made to them, and that I never had an IBR set up. Every year, I filled out the reapplication, sent tax information, etc. to Navient, thinking I was doing what I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: DC
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:
My father, who is now estranged, took out a loan for approximately {$15000.00} with XXXX while I was in school for my XXXX degree ( XXXX ). My mother, who is divorced from my father, has been making on-time payments for over a decade. XXXX never mailed or emailed any statements. When we would call XXXX to inquire about the balance, they refused to provide us information on payment history, since we were not the borrower. 

Recently, Navient acquired the debt from XXXX. We were dismayed to find that not much progress has been made with reducing the amount owed. A similar loan taken out at the same time has been payed. Navient also refuses to provide the payment history from when the loan was with XXXX, and we are unable to speak with an XXXX representative due to their restrictive automated phone system. 

Even with an interest rate of 6 %, there should not be over {$10000.00} remaining in the account. Viewing the payment history is the first step to understand how on-time monthly payments did not reduce the payment balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I proactively called US Bank to let them know Ive fallen on a financial hardship. Expressed the current payment monthly is just a little high of what I can pay. I shared my whole story and they basically laughed and gave me two choices. Dont pay and go to collections or underpay and get late fees that wont stop until the minimum is met. I tried over and over again to get them tk compromise and they kept telling me they could not help me. Wouldnt even try and find a solution. I dont NOT want to pay. I just cant pay all the min and that isnt good enough. Theyve never helped me when Ive asked. They are causing severe mental and emotional turmoil. I cant afford to sue them for it so thats why Im here.

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 2022-03-08
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained the mortgage from RocketMortgage ( then Quicken Loans ) in XX/XX/XXXX. The escrow portion was used based on historical tax payments -- correct and obvious. In early XXXX, I qualified for a homestead exemption for my county ( XXXX, GA ) which I knew was likely. I also qualified for a senior exemption which I didn't know existed. Those two exemptions reduced my county taxes by nearly $ 3000/year. I notified Rocket then, and I was told that they couldn't make the change in the first year but as soon as they made the first payment at the reduced level, they could make an adjustment. That happened in XXXX of XXXX. Then I was told they would review the change in XX/XX/XXXX and adjust accordingly. 

They just issued a refund of $ 2900+ for XXXX. However, the escrow amount they have proposed has increased rather than decreased. I complained and was told by " XXXX '' -- assuming their online customer service names are even real -- that they had no evidence that the lower rate would stay in place for this year. 

They are either extraordinarily incompetent or are intentionally over charging me. Paying back the money a year later with no interest in unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
My information was allowed to be stolen from equifax. ALL OF MY INFORMATION! My name, address, social security #, date of birth, credit cards EVERYTHING! I have confirmed this on THEIR WEBSITE! I am angry beyond belief!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax has indicated that my wife as well as my own personal and secure data has been compromised due to lacking security measures. Equifax failed to release this information in a timely manner and even let their employees sell stock before it became public knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Modlin Slinsky, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. 

I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. 

I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Midwest Recovery Systems
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: NE
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 creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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 2017-08-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : 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 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 Opened XXXX XXXX, XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

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 2017-08-25
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 status incorrect

Complaint:
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX/XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month.

XXXX XXXX  ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

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 2017-08-25
Company: Navient Solutions, LLC.
State: PA
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 been going around with navient/XXXX XXXX for years, i graduated XXXX school but can not pass my boards so i make {$13.00} an hr on govt assistance i have a daughter and they will Not work with me they set a payment i can not afford and said oay it or well sue you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: NC
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 submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX,  they had closed the account as disputed and had transmitted this information that same day. She gave me her number and ext ( XXXX ext XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called Equifax to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) 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 explanation
Consumer complaint received 2022-02-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I moved out of an apartment complex named The XXXX Apartments in XXXX, TX owned by XXXX XXXX. I received a Final Account statement on XX/XX/XXXX, for {$100.00} for the apartment cleaning fee. Due to my move, it totally slipped my mind that the balance was due, and the XXXX Apartments sold my debt to a collection agency. The Creditor 's name is Pro Collect Inc. Pro Collect placed the debt on my credit report on XX/XX/XXXX for {$580.00}. I have disputed this collection with all three credit bureaus at least three times, only to be told that if the creditor doesn't remove it themselves, then the credit bureaus can't either. 

I have sent documentation of the final account statement that the apartment complex sent me to the collection agency, and they still don't want to update the amount so that I can finally pay it off. I called back one more time to make sure that they received my email, and they confirmed that they did, but also added that the apartment complex told them that the amount is correct, when it is in fact not. I never received any other amount or notice from the apartment complex about a different amount. I have also tried reaching out to the apartment complex via email, and phone, but am constantly getting a runaround. 

The collection agency closed the account on my credit report for the same amount in XX/XX/XXXX. This issue is messing with my livelihood and peace of mind because I currently can not get another apartment until this issue is resolved. I am currently living with someone due to this.

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 2017-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
chexsystems if reporting a {$870.00} non sufficient funds report from XXXX XXXX XXXX XXXX and numerous fraud disputes have been filed with chexsystems and XXXX XXXX and its for {$330.00} not {$870.00} so Chexystems Consumer ID XXXX is reporting incorrect amount information on a fraud account from XXXX XXXX and this needs to be corrected and verfied again thru the Error of XXXX XXXX and a new chexsystem reported updated sent to me since i am filing a Civil suit.

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