BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: Securus J Holdings, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
starting XXXX of XXXX i have attempted to get my transaction history for missing monies. Weekly contact by email to customer service and phone contact and I get no return calls or any correspondence. i have an account i pay through beginning XXXX but unknown reasons half of my account is dormant and no one has the ability to produce the information other than the corporate office. i have not received one return call or email and i am approaching a deadline resulting in legal issues if this is not resolved, i have no more time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I sent this company a letter stating that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I received nothing back from them and they removed this item from my credit report that was account number XXXX for {$1800.00}. Now they have placed this item back onto my credit report under account number XXXX. for {$1800.00}. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I am demanding they remove all of these accounts from my credit report from all three bureaus.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with Transunion an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to Transunion and XXXX. Never hear back from them. I recently called Transunion and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my 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 explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
IVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES TO UPDATE MY ADDRESS & THEY REFUSE TO DO SO. IVE SUBMITTED MY ID, UTILITY BILL ECT AND THEY REFUSE

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 2019-12-18
Company: Experian Information Solutions Inc.
State: AZ
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 had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with XXXX an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to XXXX and XXXX. Never hear back from them. I recently called XXXX  and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my 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 explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A few years ago, I contacted XXXX XXXX / Navient about the Public Service Loan Forgiveness program. I asked if my loans were eligible, if they could be forgiven in 10 years, and I was told they were and would be. I was given the impression I needed to do nothing but wait until the 10 years was up when they would be automatically forgiven. Last year, I submitted the PSLF forms, however I never heard anything from XXXX XXXX / Navient. Recently, I called them only to discover that the loans are not technically eligible as they are ; they must first be consolidated and the 10-yr clock begins upon consolidation ( not when I began my XXXX ). 
The lender either originally lied or provided incomplete or misleading information. And this important but unstated detail may cost me as much as {$17000.00} ; had I known I needed to consolidate 3 years ago, I would have. Now, it is too late to benefit from the program ( for the loans managed by XXXX XXXX / Navient ). 
I also want to include my story into those that say lenders such as XXXX XXXX / Navient steered borrowers toward forbearance, which then capitalized interest. In a few instances, I may have put my loans into forbearance as my job status and pay were insecure ( XXXX part-time, without any security for pay or contract ), but these were always done without the appropriate information upfront that loans would be capitalized afterward. I agree that rather than forbearance, lenders should have been advising all possible options, including a lower payment given current income ( all loans have been eligible for IBR at the least ). In some cases, I still may have needed to take the forbearance. But who can make the best decision without all the appropriate information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, INC.
State: NC
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 have spent time day and night working to resolve this issue this is my third attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, SLS ( Specialized Loan Servicing LLC ) became my mortgage loan servicing company. They sent out an information letter concerning the PMI ( Private Mortgage Insurance ) that was required by my loan. The document contained the steps necessary to have PMI deleted from my loan. I was in compliance with all the necessary steps that the SLS/Mortgage Company has requested and on XX/XX/XXXX I sent a written request to have my PMI deleted. To date, I have yet to receive any written answers to this request. On XX/XX/XXXX I called SLS and had a phone conversation with several representatives of SLS, including a Executive Service Representative, who indicated that my request had been denied. I requested a written response that stated this denial decision and why but have yet to receive an answer. During that phone conversation, I also requested a copy of the Mortgage companies PMI deletion requirements. I followed up this verbal request with a written request on XX/XX/XXXX To date I have not received any of the above requested information. On XX/XX/XXXX, I again sent a letter requesting PMI deletion and included a copy of the appraisal I had done for this property, which clearly shows my LTV ( loan to value ) under 70 %. The only written correspondence I have from SLS is a form letter telling me that my request in under review. The letter was dated XX/XX/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 2017-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian and XXXX have failed to remove inaccurate information from my credit file. Furthermore, there inaccurate reporting has caused an undue hardship with my work life an living arrangements. Specifically, Experian continues to report a charged-off account, which I am no longer liable for, and the account is also legally past the 7 year reporting period and has also been removed from the other XXXX major reporting credit reporting companies. Additionally, XXXX continues to report a bankruptcy that has been dismissed and is past its legal reporting time period, his reporting inaccuracy continues to cause me an undue hardship.

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 2017-08-23
Company: EQUIFAX, INC.
State: OH
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:
For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NY
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've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : 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 2021-03-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am submitting a PDF of my complaint because when I review my document, all the paragraphs have disappeared and it looks like a child wrote 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 explanation
Consumer complaint received 2021-03-04
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a formal complaint with Shellpoint Mortgages and they have corrected only a portion of the problem. 

Shellpoint notified us that our flood insurance lapsed in XX/XX/XXXX and if proof of coverage was not provided, they would place their internal flood policy on our payments starting on XX/XX/XXXX. We provided proof ( via email and an via an upload link ) that we had coverage on several dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The surcharge was {$190.00} for XXXX and again {$190.00} in XXXX. Shellpoint finally recognized our coverage and indicated that this issue should be closed on XX/XX/XXXX. However, they only promised to refund {$280.00}. Shellpoint should refund the full {$390.00} The original complaint ( XXXX ) is closed, but I am not satisfied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
This is my 3rd time I reached out to XXXX  about unauthorized inquiries on my report and they have refused to do so. There are 23 account and promotional inquiries that are on my report. If they can not provide me with the original application along with my original written ink signature. Immediately remove them from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My name XXXX XXXX I would like to file a complaint aganist bank of the west which had given me a fresh start know that i was going ti be charge any monthly fee with having to make a certain amount of atm deposit which will wiave my fee that never was the case i was getting charge nonthly fee of XXXX dollar for about a year and then when i was going through a hard time dealing with covid i was in debt that left me to get overdraft and i had contact them through a personal message and over the phone they had no Sympathy for that they charge me a overdraft fee of XXXX dollar that add up to XXXX something dont know exact so i just left it alone untill i got a letter saying to make my payment to what i owe i refuse to pay knowing they coudnt work with me when this start happening hoping they would waive it to where i can still be a customer there but all im asking is to be refund the monthly charges and for the stress and i never even got my bonus as a new cumstomer opening up a checking out as they Advertise so im a unhappy customer who wasnt treated fairy itstead was put in debt with something that could be resolve if i was give a chance to fix thing instead of being in debt so im looking for action be take what i owe be waive abd refund be taken with the the promise of starting fresh and not being treat fair.

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 2019-12-18
Company: EQUIFAX, INC.
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:
i was issued a credit card from my work in 2014 during my short time of employment, I was only an authorized user on the account it was not opened by me. The company was having financial issues so i left the job.

i applied for credit few years ago and find out i have delinquency on my credit report, i checked my credit report with all 3 credit agencies and find out only Equifax is showing a credit card from XXXX XXXX XXXX with status Charge Off at first i thought it was identity theft since i never opened up any credit card with XXXX XXXX XXXX but then after some time a bell rang and i recalled the card which was given to me as an authorized user.

In past 3 years i have filed multiple disputes with Equifax to remove this information from my report and it has been denied by Equifax they keep telling me information is correct i had the card and XXXX XXXX XXXX won't allow it to be removed I called multiple departments with XXXX XXXX XXXX with no luck getting this resolved on my own.

I am very frustrated at this point and not sure where to seek help as the credit agency nor XXXX XXXX XXXX is willing to rectify the issue I was only an authorized user on the card and was responsible for any liabilities.

Please advice. 
Thank You Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a text alert from my credit monitoring service, XXXX. On XX/XX/2021 they notified me that an account was opened at TD Bank without my authorization or knowledge using my personal information. I subsequently contacted TD Bank and they confirmed that an account had been opened, and that in order to open this account with them my Social Security number and drivers license information wouldve had to have been provided. Of particular concern and interest to me is the fact that one week prior I had purchased a new vehicle for myself and also a vehicle for my wife from XXXX XXXX XXXX  XXXX Pennsylvania at which time my drivers license and Social Security number was provided to the dealerships for the financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has repeatedly defaulted my income base repayments to full 10 year payoff payments without interacting with me causing sudden dramatic rises in my monthly payments. I have asked them to return me to income based repayment and submitted proper documentation only to be told over the phone that my submission was too near the payment date to go through and that I would have to take a monthly forbearance. I have been told that there is no way I can achieve a lower interest rate unless I consolidate with another servicer. To service the interest on my loans without paying down the principle it is approximately {$1600.00} a month. Every month I 've had to take a forbearance on has increased my principle by over {$1600.00}. When I have inquired to which option makes the most sense for my economic situation I receive a list of the options and the benefits of each, but no answer as to which program would be in my best interest. As a result of this debt burden from the interest alone I am finding myself in a position that makes it impossible for me to accumulate necessary capital to start a XXXX to try and pay down my debt, and I can not service the full amount to pay down the debt in conjunction with mortgage payments and savings for retirement into my XXXX or IRA. 

When I received my loans I was told that I would be a XXXX and that I would be able to achieve a salary capable of paying down my principle and lead a great quality of life. The interest rates were downplayed and refinancing was stated to be an option. What nobody told me was that refinancing to a lower interest rate would remove my federal government protections such as forbearance. Now I am in a position where I need to either finance my {$300000.00} of student loans between XXXX and XXXX at an average interest rate of 7.2 % or change to a private loan servicing agency and lose all of my federal protection, potentially destroying my credit and any ability to eliminate my debt. 

I attended XXXX. I was told during orientation on the first day that my education would provide me an income which would service my loans. I can not afford to pay down the principle of my loans as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One Bank is reporting a credit card on my credit reports with a past due amount of {$1800.00}. This account is not my account. I was also told that this account has a social security number that does not match my last four digits of my social security number. Capital One and the credit bureau need to verify this information. I am also attaching an ID theft Report. I was also a victim of the XXXX  breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I notified this company via fax to XXXX in writing that I reviewed the terms and conditions of this credit card. After review of the fee 's I informed them I did not want this new card. I instructed them to close this account. The account is now being reported as late to the credit bureau causing damage to my score. If this account is not removed from my reports I will take any and all legal action necessary.

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