BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: Navient Solutions, LLC.
State: NC
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:
due to history of unfortunate and unknown lack of management of my loans due to ex-spouse failure to pay my loans were neglected for years and accrued penalties and interest resulting in approx.  XXXX  in owed loans. I have been in an IBR with  XXXX  for over 10 years and head regularly and timely paid my monthly payment. I did not believe the total amount of the loan was correct and have spend hundreds of hours with attorney, investigating and working with the  Ombudsmen pr ogram to determine if i the penalties and interest accrued could be correct. I am a   XXXX   XXXX   XXXX   and as i make more income i become increasingly unable to manage the loan payment. The ombudmen program suggested i consider a  DIRECT r epay loan which would cap at a lower monthly amount. I was told to look at the student.gov site and  pick one. I want ed to determine all options and requested loan information  from Navient .  I fill out online and received two notification with loan repayment three times the amount of my current payment. I asked Navient on my calls if  i was under any obligation for the loan, as i was just reviewing all options and was told NO. I made a third call this week to inform that i still was unaware of what the payment would be under this payment plan compared to my prior plan and they were still computing the amount having finally received my pay stub. When i spoke to the Navient rep i informed that I had had 9 years of payment in my other plan that went toward the 25 year forgiveness which i now lost. I to ld Navient that i did not sign for the loan but was simple inquiring on options and they informed that the online application was binding and i had 10 days to cancel this consolidation. I was misinformed by both us.gov and Navient and need assistance in canceling this conversion. I will now re=start 25 years toward forgiveness for a loan that will never get paid due to the amount and type of payment plan. I am diligently trying to manage this debt and have reached out to congress and other legislatures to review the laws that do NOT protect the borrower. Pl.ease let me know how i can receive some assistance with this loan that I did not intent to commit to and was intentionally misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: SC
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:
There are two accounts ( XXXX credit card and XXXX loan ) on my Equifax credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and an Identity Theft cover letter. Equifax deleted the information from my credit report and then reinserted it without a notification or any documentation from XXXX. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Experian Information Solutions Inc.
State: TX
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 never took out any loan with company or agency that the   XXXX   XXXX   XXXX   collects on behalf of. I was attending college at the   XXXX   XXXX   XXXX   when my  GI Bill erred   and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the   XXXX   XXXX   XXXX    sent the debt straight to collections at t he State of Maryland 's    XXXX   XXXX   XXXX    <P/> I have tried to dispute this debt as being unfair under the FCRA. The   XXXX   XXXX   XXXX    tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. T he State of Maryland    XXXX   XXXX   XXXX   continues to report this as a collections account to Experian and  XXXX .  <P/> Had t he State of Maryland done  the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately.  <P/> I have tried to resolve this issue with   XXXX   XXXX   XXXX   on multiple occasion but was not able to. There is a  XXXX  balance on the 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 explanation
Consumer complaint received 2017-04-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
My credit card bill is due every month on the  XXXX  day. I pay my bill every month on the due date. According to Chase if I pay my bill on the  XXXX  but it is after  XXXX   Eastern Standard Time i t is considered late and they charge me interest and a late fee. I have to call every month to try to get those charges reversed. I feel I am getting punished for paying my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For over SIX weeks now, I have been unable to access both my business and personal accounts with PNC Bank after the transition from BBVA. I have access to each account individually but can not transfer any funds between the accounts since early XXXX. I have spent 3 hours in the branch and spoken on the phone with multiple supervisors and escalations departments in personal banking, online banking, and business banking. These conversations have totaled approximately 15 hours of time with ZERO results. The only answer is that accounts have been linked correctly, and now they are just waiting for their computer systems to process the change so that all of my accounts can be seen under one online login ( which would finally enable me to transfer funds between my business and personal accounts ). However, their computer system has not completed anything in over 4 weeks now. I am hearing this is happening to THOUSANDS of clients that had both business and personal accounts with BBVA that transitioned to PNC. This is unacceptable and has become a detriment to my business since I can not transfer funds between the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 never took out any loan with company or agency that the XXXX XXXX XXXX collects on behalf of. I was attending college at the Univ of XXXX when my GI Bill erred and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the Univ of XXXX  sent the debt straight to collections at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I have tried to dispute this debt as being unfair under the FCRA. The XXXX XXXX XXXX  tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. The XXXX XXXX XXXX XXXX XXXX XXXX continues to report this as a collections account to XXXX  and TransUnion. <P/>Had the XXXX XXXX XXXX done the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately. <P/>I have tried to resolve this issue with XXXX XXXX XXXX on multiple occasion but was not able to. There is a XXXX balance on the 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 explanation
Consumer complaint received 2021-01-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received letter from Midland Credit Management which states that an account was open on XX/XX/XXXX and it was charged off on XX/XX/XXXX with a balance of XXXX this company has placed this information against my credit and I did not open this account. 

I have completed a police report as well. Please remove this from my credit report as soon as possible. I'm currently in the middle of closing on a home and this infraction is counting against me and it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Affirm Holdings, Inc
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX Affirm charged to my XXXX account a fraudulent hotel charge. One payment was automatically charged. 
I notified them numerous times this charge was fraudulent. Have NOT received documentation or any supporting documents, only notices that my account was delinquent. 
They have not tried to resolve issue, but have degraded my credit report. 
On XX/XX/XXXX I filed a FTC report regarding a serial internet hacker who possesses a $ XXXX patent for internet security. I feel confident, with not only this issue but others, that I am repeatedly victim to this PREDATOR. 
Unable to sign-in to FTC account , password recovery does not appear ( redirected ). 
Need personal representative help/assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: Convergent Resources, 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 had terminated a phone contract with  XXXX  at the end of   XX/XX/XXXX   or beginning it  XX/XX/XXXX . The account showed as derogatory in my credit. However, I recently checked my credit and I believe the account was purchased by convergent and my account was re-aged to  XX/XX/XXXX . I never agreed to the re-aging.

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 2021-11-15
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. Navy Federal Credit Union is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called Navy Federal Credit Union twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.

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 2019-12-10
Company: BANCO POPULAR DE PUERTO RICO
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Banco Popular has charged us {$450.00} for fees for no reason. When we called to complain, they acknowledged that the fees were charged improperly but have not credited us for 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 2017-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

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 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

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 2017-06-04
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I got an email saying that {$30.00} was debited from my bank account using my debit card by a company Called Choice Recovery in XXXX, Ohio. The email said it was for a purchase. I never gave them permission to take that money and I looked at my credit report and they are not even on it as a debt I owe. I have no idea why they took my money. I want my money back. I have no idea what this is about.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ENHANCED RESOURCE CENTER CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THE REPRESENTATIVE TO COME ONLINE, A TEL TALE SIGN OF AN XXXX. THEY REFUSED TO GIVE ME THEIR ADDRESS ( I WANTED TO DISPUTE THE DEBT THEY WERE ATTEMPTING TO COLLECT. THEY REFUSED TO GIVE ME THEIR XXXX POLICY WHEN I REQUESTED IT. I ASKED IF THEY WERE CALLING ME FROM INSIDE THE UNITED STATES, THEY TOLD ME NO. I ASKED HOW MANY TIMES HAVE THEY CALLED ME, THEY TOLD ME ONCE A DAY. THEY USED A SPOOFED NUMBER TO CALL ME FROM. 
THEY VIOLATED THE FDCPA, TFC SECTION 392, TCPA SECTION 227, AND DTPA ALONG WITH TBCC SECTION 302.301. ( See TBCC 302.302 ). THE TBCC CARRIES A {$5000.00} PER VIOLATION STATUTORY PENALTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Clarity Services
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:
I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX  and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: PA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Around XX/XX/XXXX, I applied for a HELOC with Union Bank. They told me that they felt my house would appraise for the amount I requested and that it should close within 30 days. 

At the same time, I applied for the same HELOC with another lender to see which institution could provide better terms. 

Union Bank 's process was difficult and there were long wait times between communication points. The person that I was assigned to said she didn't receive voicemails and emails that I and her co-workers sent her. 

The appraisal that Union Bank ordered came in and it was not sufficient for the amount we needed. The appraisal from the other lender came in much higher and that lender was able to help us with the amount we needed. The other lender asked us to provide written confirmation of cancellation. I requested this with 3 people at Union Bank and did not receive it.

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 2022-04-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXl account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX Bank 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.C.S 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
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:
XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX   XXXX  . This was not me

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