BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans came out of forbearance in the Spring. My repayment amount is almost {$900.00}. I begged and talked to Navient about repayment options or plans. a month. Navient staff would tell me that repayment options would cut my monthly payment in half and ask me to complete a questionnaire to determine my new, lower repayment amount. However, the new payment amount would only be less than a {$100.00} cheaper. Interest only was still $ XXXX. None of their repayment options were beneficial to significantly lower my payments like I was told. Navient staff are not knowledgeable about the type of loan I have or the available repayment programs. I was constantly misinformed and misled. Misinformation and lack of knowledge by Navient staff created obstacles to repayment. 
Even though I was in daily communication with the company, and making payments, Navient continued to call and threaten myself and my cosigner. Calling up to 7 times a day. Navient staff stated that I was lying about owning a home even though it is on my credit report. They questioned every item on my credit report and stated that I was lying about my monthly expenses. Staff criticized my discussion to go to college and take out student loans. I was XXXX when I took out the loans... 
Even thought I was on a payment plan and making the payments, Navient processed the payments incorrectly. Then Navient reported delinquent payments to the credit bureaus while I was on a payment plan making on time payments. 
Navient has failed to act when I complained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX collections for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account.

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 2020-04-16
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: Information belongs to someone else

Complaint:
I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.

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 2022-06-24
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
IQ Data International has called my husband multiple times including at his place of work during business hours to discuss collecting a debt that we have already explained is not valid and is being disputed. The collector ( s ) on the phone where disrespectful, aggressive, and threatened to continue to call back. The collector ( s ) have not respected our request to not call back and not call us at work. The so called " debt '' in question is being disputed as the amount is not accurate, and the business ( XXXX XXXX XXXX ) was reported to the XXXX  ( XXXX  CASE # : XXXX ) due to their unethical and irresponsible practices. We have tried to resolve directly with the business since day one but the business has been unresponsive and wont hear our dispute which we have provided evidence for in writing. The " debt '' was sold within 2 weeks to a collection agency and none of our emails or communications where responded to. The collection agency has not validated the " debt '' or the amount. We have not received anything in writing from anybody at this point. Both my husband and I have exceptional credit scores and an excellent credit history, and always pay what we owe on time. This debt is not valid and needs to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/21 I sent out dispute letters to the three credit agencies, XXXX, TransUnion, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.

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 2022-11-28
Company: LEXISNEXIS
State: IL
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:
have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. Lexisnexis is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.US BKPT CT XXXX XXXX XXXX XXXX. I will upload a letter from Lexisnexis that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and Lexisnexis has verified the information is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: AL
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:
I DID NOT AUTHORIZED THESE 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

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 2022-06-24
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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:
This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : EXPERIAN : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2022-11-28
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried XXXX times to move my due date. I finally spoke with a XXXX on XX/XX/XXXX who said he would process my request to move it somewhere between the XXXX of the XXXX This was to be completed by the XX/XX/XXXX ( on a recorded line ). I have been very up front with KIA finance with the fact that the due date change is to align with our paydays. If they do not change it, then we will always incur fees because we can not make it within the XXXX XXXX grace period. At no point did KIA say I could not change the date, just that I needed to wait until eligible, a date they did not provide, and no one at KIA finance will speak to it, and they change the qualifications for it every time I call. Below is there quoted language from a previous CFPB complaint about the same issue. As you can see there is no indication that I can not change the due date, or a definitive answer on when I am eligible. I called today XX/XX/XXXX to inquire about my due date update, they said it was denied, and that I was delinquent and needed to pay. I asked why it was denied, they transferred me XXXX times and no one would tell me why, and I have not recieved anything in writing both of which are illegal. I am asking KIA finance to update my due date XXXX last time before I seek legal representation, all their calls are recorded and there is ample evidence in those calls that I have recieved multiple answers, wrong info, and even been ignored, hung up on, and transferred without notice. KIA finance is giving me the runaround, and they are not being honest. I requested the due date change before my payment was due, and they are slow rolling the process until after my due date in order to deny my request, I am sure this is also illegal. 


Company Response on due date change : " While Kia Finance America ( KFA ) is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFAs willingness to provide him a due date change for his XXXX payments. On XX/XX/XXXX, KFA spoke with XXXX XXXX, who inquired about a due date change for his XXXX payments. XXXX XXXX was advised that due to his previous due date change request, he would need to call back once his account was again eligible for a due date change. ''

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 2022-07-28
Company: EQUIFAX, INC.
State: AL
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:
I DID NOT AUTHORIZED THESE 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been asking for verification validation for going on 2 years. I have recieved absolutely nothing from said company. i want " proof '' of alleged debt. other than a computer generated invoice that anyone can make up, as long as a company has your name and some sort of address they can send out an invoice stating you owe this amount kind of like a ransom pay up or we will ding your credit report. something bearing my signature stating i have some sort of contractual obligation of said debt. I have disputed this information with the credit reporting agencies and only answer i get is that they certified that its accurate which implies that they in fact have some sort of documents bearing a signature some sort of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : XXXX  and XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your XXXX : XXXX XXXXXXXX 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE XXXX WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY 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 2023-08-17
Company: Experian Information Solutions 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:
i did not consent to authorize nor benefit from the following account ( s ). block and remove

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 2023-08-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and saw that i have a Collection account with the company XXXX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, Experian XXXX XXXX XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that XXXX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against 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 2023-11-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being held by XXXX XXXX XXXX. They sold it to Roundpoint Mortgage Servicing Corporation on XX/XX/2022. I did not ever receive by mail, phone or email any notification of this change. I also did not ever receive a statement to pay my mortgage to Roundpoint. I had direct pay set up with XXXX XXXX XXXX  and assumed my mortgage continued to be paid unaware of the sale. 

I had changed my mailing address from the property address to a po box and had mail forwarding in place and had changed my mailing address with XXXX XXXX XXXX. 

Since I did not receive notification of this change in banks I unknowingly did not pay my mortgage for XXXX, XXXX, XXXX, or XXXX of 2022. I accrued {$260.00} in late fees and Roundpoint confirmed they reported me to the Credit Bureau for delinquency of payment. 

Roundpoint sold my mortgage to XXXX XXXX XXXX  on XX/XX/2022. XXXX XXXX  XXXX sent me a mortgage statement on XX/XX/2022 stating I owed them {$8500.00} to bring my account current ( pay for XXXX XXXX  ). This included my monthly mortgage fee + XXXX late fees from Roundpoint. 

I paid XXXX XXXX  XXXX XXXX the full amount due of {$8500.00} on XX/XX/2022 to bring my account current. 

I first called XXXX XXXX XXXX XXXX to understand how I was so delinquent, they shared they had just taken over my account on XX/XX/2022 and were just billing me what was due on my account. They shared Roundpoint Mortgage held my mortgage from XXXX 2022 and that is where the late fees came from. Until XX/XX/2022 I had no knowledge that Roundpoint Mortgage held my mortgage from XXXX. 

I called XXXX XXXX XXXX to verify they sold my loan to Roundpoint on XX/XX/2022. They confirmed they did and were able to give me the loan #. I called Roundpoint to get more information and see why I never received a notice or bill from them. They had my correct email, cell number and all mail being sent to my primary address was being forwarded to my po box at that time. They said they sent me the documents and tried to call me numerous times but I have no records of either of these. Due to their negligence I am now 4 months delinquent in paying my mortgage, have a {$260.00} late fee and a complaint against my credit to the Credit Bureau. 

XXXX XXXX XXXX XXXX  ( current mortgage holder ) had no issue contacting me within a week of obtaining my loan using the same contact information Roundpoint has. I have paid them promptly. I had no intention to not pay my mortgage or issue with paying my monthly mortgage.

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