BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In  XXXX     2017 I  talked to a customer service rep at Navient concerning a rate reduction plan payment plan. He advised me that I only had to pay {$170.00} a month for 15 months. So I set up a recurring payment plan with them so that they could take it off of my card on the  XXXX  of every month. I even received a letter stating the payment amount and confirmed it. I got a call today   XXXX /2017  saying that I have to pay  XXXX  a month and I told them that i was told another amount and they said the representative had given me the wrong information and I was like I should not have to suffer because of that error. That was a big error on their behalf. I think it is not fair and I think that I should not have to pay that high amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received loan disbursements in  XXXX - XXXX  from Navient to go to school in the amount of {$14000.00}. I deferred payment for a few years upon graduation. When I started repaying my loans back in   XXXX   Navient charged me over {$5000.00} in capitalized interest. This brought the balance of my loan to {$19000.00}. Since making monthly payments on my loans starting in  XXXX  I have paid in excess of over $ 8000-9000. My balance has never gone down below {$19000.00}. It has consistently stayed at or around {$19000.00} for the last 6 years. In  XXXX  of   XXXX   ( not by choice ) my loans were transferred over to  XXXX  ; The amount transferred to   XXXX   was {$19000.00}. This means that in 6 years the {$8000.00} + that I paid to Navient only {$390.00} was actually applied to the principal balance of my loan! At this rate I will die before I can ever pay off my loans. It will literally take 495 years to pay off this loan. Can someone please investigate if Navient over charged me and will I get the amount paid, applied to the balance of my student loan or will I be reimbursed for overpayment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a Computer Breach in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. 
This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. 
The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I have Spoken with multiple Reps of TransUnion and they all acknowledge that the Security Breach happened multiple times in 2016 but they refused to fix their error in my credit report. 
I am requesting that the reinserted inquires be permanently removed from my credit report. 
I Demand the following inquiries to be removed immediately 1. ) XXXX XXXX on XXXX/XXXX/2016 2. ) XXXX XXXX XXXX on XXXX/XXXX/2016 3. ) XXXX XXXX XXXX on XXXX/XXXX/2016

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 2015-07-14
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was a co-owner of a XXXX. I was bought out contract was developed the contract stated that the new owners would assume all liability for all outstanding debt for all accounts. Two years later I was sued by XXXX for a bill that was not in my name but the account was open by me when I was an owner. 
A judgement rendered against me. I paid the account and a in turn I sued the new owners who did n't fulfill their contract obligation. 
I have a judgement against me although I was out of the business for over two years. 
I have the paperwork to confirm both settlements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: PA
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 opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.

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 2017-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is continuing to collect on a debt that was a result of identity theft but recently when I sent a formal dispute by mail they verified it as accurate. I contacted customer care and spoke with  XXXX . She admitted that she could n't help me with this account because it was sold to a law firm called  XXXX   XXXX   XXXX   XXXX . If that 's the case how can they continue to verify it as accurate with the credit bureaus and continue to currently report the debt under their company name on all  XXXX  bureaus.this is a violation of the FDCPA. They must remove their name from my credit report because they and the law firm ca n't collect on the same debt at the same time for an old  XXXX  debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Portfolio Recovery : XXXX, continues to call family members divulging my personal information in attempt to collect a debt that I do not owe. Additionally, this company has received written notice to seize and desist all attempts to contact me. I previously submitted written complaints to your office regarding this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of the inquiry glitch that happened at Transunion. I called the customer service to complain and have them remove those negative inquiries affecting my  credit score , but they would not help.

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 2015-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested an investigation into adverse information posted to my account at Trans-Union. The request was submitted on/about XX/XX/XXXX. The adverse information was related to a contested billing by XXXX. for wired phone services. I closed the account in XX/XX/XXXX and XXXX continued to bill for four additional months after the account was closed. XXXX posted an adverse non-payment notice to my credit agency account for the false billing for the four additional months. This was even though I had submitted evidence from XXXX 's credit proxy, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) ( Confirmation # XXXX ), agreeing with me that the claim by XXXX was incorrect. XXXX subsequently documented its agreement with me and reported that XXXX 's billing claim was incorrect, to XXXX. I sent documentation ( approx. XXXX pages-attached here ) to Trans-Union depicting this process. 

Trans-Union did not review the documentation. Trans-Union did not conduct a meaningful and detailed investigation into my rebuttal of XXXX 's adverse information that Trans-Union posted to my account. They did not even call XXXX ( no phone number of phone call log information was provided by Trans-Union ) or verify the results of the XXXX investigation. Trans-Union just took the last bill submitted by XXXX and regurgitated it back to my account as evidence that the adverse information was correct. There was no indication or documentation that they investigated my rebuttal. All they had to do was read the information that I submitted ; there was no indication they bothered to do this. The adverse information posted by Trans-Union to my account stating that I did not pay XXXX is incorrect ; I did not owe XXXX for the four months they claim, after I closed my account with them. Documentation that I submitted to Trans-Union contains my confirmation number of the closure. 

Trans-Union must complete a fair and full investigation and remove the adverse report generated for XXXX in my account. This is my XXXX request for a fair and complete investigation ( my XXXX was the written request to trans-Union on/about XX/XX/XXXX noted above ). I would like evidence that Trans-Union has read all the documentation I sent to them and provide a description of the process by which they reached a decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Regarding complaint filed with XXXX on XXXX XXXX in XXXX, Colorado. Company issued citation in XX/XX/2020 stating that I left the XXXX XXXX in XXXX, Colorado and re-entered it three times in 20 minutes. I disputed the citation in XX/XX/2020 via XXXX  and could not find the original complaint in their systems after COVID-19 stay-at-home order was issued across the State of Colorado and in the State of Texas. However, the business did not respond and the complaint was closed. 

The company resent the tolltag violation again and I attempted response through XXXX  and again never received notice of the business responding until XX/XX/2020. I was not on a toll road and do not accept resolution. I am not required to pay fees on toll violations that the business has not proven as mine. 

The company does not have video of any such incident and has continued to harass me via mail regarding a toll road violation it has not proven to be mine. Additionally, it sends information to its XXXX, TX offices which are completely out of jurisdiction and across state lines. 

Complaint ID : XXXX Filed with : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX URL : XXXX : XXXX Date Filed : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is refusing to correct the wrong city they have listed on my credit report. I 've called and spoken with them endlessly and they always promise to correct it but they never do. I 've also provided them, via USPS mail, with all the copies of supportive documentation or ids, they requested from me and still nothing has been done or corrected on their end.
The craziest thing here is that whenever Experian mails me any correspondence, they always mail it to me, using the correct city ( XXXX XXXX ), I live in but on the actual updated credit report they mail me my personal address always contains the wrong city ( XXXX ). Please refer to the 10 included attachments. Lol, XXXX, Lol!!!!
Experian is unprofessionally failing me here by not keeping my credit file completely, correctly, properly and accurately updated!!!!
XXXX XXXX, is the correct city, I live in.
XXXX, is the incorrect city, I live in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PNC Mortgage Corp. XXXX returned mortgage payment check. Reason given was funds were incorrectly written. Processing department incorrectly read cent amount and returned payment subjecting payee to late fees and and adverse credit reporting actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I paid for a membership with Equifax to obtain my credit report and to remove my mother 's XXXX XXXX XXXX 's credit card from my credit report. I am not even an authorized user on her credit report, just her checking account in case of emergency. NOT her credit card. This has damaged my income/debt percentage and my scores plummeted and it will affect my handicap housing application. Every single person I have spoken with by phone and by chat provides me with a link for me to figure it out by myself. I ca n't figure it out because it 's not user friendly. I ca n't even see the credit report that I paid for ; just a summary. No agents from the XXXX are available and the agents XXXX hang up on me, repeat the link, place me on hold indefinitely, tell me there is no supervisor available, etc. 
The XXXX XXXX XXXX credit card is not mine and I 'm not an authorized user. When you call Equifax it directs you to AUTOMATED menu and AUTOMATED sub-menus. I have received ZERO help from my membership. People are rude to the point of saying : what do you want?. I want my money back because I am unable to dispute XXXX XXXX XXXX entry or I want someone to call ME ( from the XXXX ) and get assist me via phone. I have phone logs and copies of chats from the past 3 days which have totaled 6 hours and 12 minutes yet I have not been able to dispute XXXX XXXX XXXX. Also, they have my CURRENT address as a PREVIOUS address and my CURRENT address was never even MY address! It belonged to my STEP mother from almost TEN years ago. I was given an AUTOMATED phone number to fix that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a demand letter from Love, Beal and Nixon P.C. in  XXXX , regarding a auto loan with   XXXX   XXXX   XXXX  -I took out a auto loan with  XXXX  and was told by the dealership that it was a requirement from  XXXX  that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to  XXXX -and I was working with them while they were suppose to be investigating the dealership.
I sent them out a validation letter requesting : 1 ) since they are the law firm representing  XXXX , what was the results of the investigation.
2 ) Per the contract, I signed with  XXXX , I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma.
They did not answer these questions-they just sent me back my contract with  XXXX , and a letter stating what I owed.
Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit.
At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to  XXXX , where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Aargon Agency, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State on the report report for 9 months but I dont who it is and never received correspondence and it a charge- off

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 2016-06-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
MY CREDIT HAS BEEN IN CONSUMER AFFAIRS DEPARTMENT WITH EQUIFAX SINCE 2009 THEY CLAIM THEY PROTECTING MY IDENTITY BUT THIS NOT ONLY EFFECTING ME BUT IT IS EFFECTING MY FAMILY I CANT PURCHASE A HOME BECAUSE THERE ARE ACCOUNTS ON MY CREDIT FROM IDENTITY THEFT. I HAVE PROOF OF THE ACCOUNTS PREVIOUS BEING DELETED ALSO IT IS EFFECTING ME WITH IRS BECAUSE THEY HAVE BUSINESSES REPORTING INCOME THAT I HAVE NO CLUE WHO THEY ARE FROM AND IT IS SPILLING OVER FROM MY CREDIT TO IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
So I pulled my  Credit and Saw  many things that I was completely unaware of. I tried submitting  one  massive complaint but now I will submit a complaint about each error on my report. I have medical bills on my report in which I did not obtain. Had n't been to a hospital and have no idea how my information was used. I have no knowledge of this debt. Please help because no one can give me any answers as to how it got on my report. When contacted I told Customer Reps that I 've never been to  XXXX   XXXX  and they insist that I pay a debt that is n't mine.

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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX XXXX XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, XXXX, XXXX ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.

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