BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: Millennial Home Lending, Inc
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from Millennial Home Lending that was deceptively suggesting that they were affiliated with FHA. Only in the fine print does the letter reveal that it's actually from Millennial Home Lending. The letter is an attempt to have me call their " FHA Loan Service Center '' number at XXXX with my " eligibility number '' to find out how I can get a " tax free '' cash-out refinance for " {$25000.00} or more. '' I believe this letter is a UDAAP violation.

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 2022-01-26
Company: EQUIFAX, INC.
State: CO
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 submitted numerous dispute letters and called to remove/delete medical accounts that are listed multiple times & that do not belong to me. They are reporting incorrect information they have not provided me with any evidence that the accounts belong to me. 

Original Creditor Amount : {$330.00} ( Listed 3 times ) Original Creditor Amount : {$530.00} Original Creditor Amount : {$63.00} XXXX XXXX : {$460.00} XXXX : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am unable to get any type of deferment. I am unable to print a statement. I feel like at the time I got the loan, the school gave me the wrong loan product when I could have qualified for Pell grant, subsidized or unsubsidized loan at a lower rate. Navient ( formerly XXXX XXXX ) is my servicer. I am unable to print a statement from the website, defer payments or get a lower interest rate. My type of loans are FFEL (  private loans ). I am struggling a little financially and do not know what else to do. I was making even less money when I was attending XXXX XXXX XXXX college. I do not know if I was taken advantage of or what. My other larger loans are deferred. Navient is stating I do not qualify for deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I paid XXXX the remaining {$200.00} on my account and on XXXX XXXX I.C. systems inc. a debt collection agency reported it on my credit report as an open collections account owing {$200.00} to XXXX. The debt was invalid to begin with but I paid it anyways due to the threat of reporting it on my credit report. XXXX was never willing to provide proof that I owed the debt yet still strong armed me into paying it anyways.

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 2017-07-19
Company: BBVA FINANCIAL CORPORATION
State: AR
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 applied for car loan online and 10 companies did hard inquiry without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
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:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$0.00} )

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 2022-01-26
Company: EQUIFAX, INC.
State: NY
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:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXXXXXX Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Submitted information to Transunion through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never received a reply. My file number is 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 2017-07-23
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: Account status incorrect

Complaint:
This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 two collection accounts showing on my reports that aren'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 2017-07-24
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is reporting a total of 6 missed payments that are not correct, Also XXXX fhows 6 missed payments but Transunion shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect missed payments reporting.

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 2017-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I do n't know why it keep saying they ca n't connect to my bank when it 's showing my bank balance on the app. Not sure what the problem is but last week I had no trouble connecting to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: UT
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 disputed inquiry 's on my report 3 times with XXXX and Equifax. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so XXXX and Equifax say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSWORLD SYSTEMS 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 information incorrect

Complaint:
TSI claims I made a payment to them on a loan they are allegedly servicing but have never verified, nor has the original owner XXXX XXXX XXXX verified/identified TSI as the loan servicer. On top of this TSI claims I made a payment on my credit report on XX/XX/XXXX, which is impossible as I was not aware of this entity until XX/XX/XXXX when they filed a collections claim on my credit report without ever contacting me ever in the past, though they also allege on my credit report to have been servicing the loan I had with XXXX since XX/XX/XXXX, outrageous since XXXX told me on phone conversation in XX/XX/XXXX that they did not know of any account in my name or with my social security number, which means they lied to me because on XX/XX/XXXX they now were able to find my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to pay off federal loans since XX/XX/XXXX, when I graduated. It was impossible for me to become employed during that time, and I had to delay payments. Since then, my total amount has skyrocketed. I have been paying somewhat successfully since XX/XX/XXXX, however, I always have problem recertifying my income based repayment program, and have to delay payments because the minimum payment goes up. Every year, they fail to adequately assist me in recertifying, and this adds thousands to my balance. Last year I was first given false information, then given incorrect information, which caused me to pay more than what I should under the program. This year was no different. They sent me a notice inXX/XX/XXXX with a due date of XX/XX/XXXX. No email. No call. Zero notice since XX/XX/XXXX. I recertify every year, and every year they deceive me into missing the due date. There is no option to auto-recertify. This causes my minimum payment to skyrocket to five times the usual amount. It is unfathomable that they are allowed to do this. I know what will happen, because it happens every year. They will either defer or forebear, then add to the total balance, causing my total balance to continue increasing every year. I have to spend hours on the phone every year fixing the problem. My total balance is over XXXX because of this systematic deceptive practice. I graduated owing half of that. I will never pay it off, and they will continue adding to it every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have no clue on a daily basis how much interest I owe currently, how much is supposed to go to principle when I make a payment, how much is going to go to interest, what my ending balance is minus my payment, and this is just my account on the website. It has NEVER showed me this information. My balance is on a different tab, the loan history is on a different tab, the payments never show the balance subtracted anywhere. I never have seen my calculated interest. Loan was changed to Navient in XX/XX/XXXX and I have n't known this information since XX/XX/XXXX. I wrote an angry email to them XX/XX/XXXX? about how unclear their statements are and NO ONE has payments and balances on different pages! No response to this. My payment to interest has been different every payment for 2 years along with my payment to the principle, and I have made over 24 payments along with extra large amounts to pay this off. My e-mails for over 6 months earlier this year ( during this time ), has said that no payment was expected until XX/XX/XXXX, because I had paid ahead. I spoke to Navient maybe in XX/XX/XXXX about this. My next email then said I owe $ 300+ because my income repayment has expired! After I talked to them! I do n't believe them at this time that I am signed up for the forgiveness program and I am into it for 2 years out of the 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have private loans with Navient. One of my loans has a co-signer, the total balance is {$37000.00}. On XX/XX/XXXX I applied to release my cosigner as I have made 12 consecutive on time payments based on principal and interest ( which is stated on the website in order to apply for release ). Originally they denied the request as my account history shows 3 late fees, which was a mistake on the billing department since I have been on autopay for over a year. On XX/XX/XXXX I was charged the first late fee of {$8.00}, the second late fee was charged on XX/XX/XXXX for {$3.00}. These two late fees were reversed on XX/XX/XXXX and {$12.00} was credited to my account. My account was never late but for some reason there system shows my account associated with late fees. I had several phone conversations with the cosigner release department to explain this and there was nothing they could do to my account and kept shuffling me around to other departments. The second refusal to deny my cosigner release, was due to the fact that they reduced my interest rate to 1 %. When I had called back in XX/XX/XXXX, I had several phone conversations that were recorded by Navient, explaining the rate reduction program and that after making 12 consecutive payments I could have my cosigner released. I spoke with XXXX, the supervisor, in the cosigner release department and showed her my account history which shows I have been making 12 consecutive on time, principal and interest payments. I was never explained to on the phone by reducing my rate that this would effect the cosigner release. XXXX then said she would research and listen to the recorded calls. It took her a few weeks in XXXX and when she got back to me said they could not find the calls. She asked me to email her and she would push it through. on XX/XX/XXXX, I sent an email stating what had happened. I then received a letter in XXXX for the denial, based on not making 12 consecutive on time principal and interest payments on the original interest and a forbearance on another account I have. Neither was explained to us at the time on the recorded calls, which they say they can not find, although they have record of our calls. I have spoken to Navient several times since and they still say they are researching and continue to shuffle my case through the system with no resolution regarding the late fees noted on the account and release of my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
credit report activity complaints will be always endless .IT IS HARD TO IMAGINE THAT ANYONE CAN HAVE AN EXCELLENT CREDIT REPORT TO SPEAK ON ITS OWN. THERE 'S HARDLY A CONSUMER PROTECTION Rights when they are being harassed silently or blindly. XXXX never apologizes when they do errors .Same applies to all other Companies. I can  never forgive XXXX on my one week 's internet under repair. This has been charged deliberately on pretext. while IRS OWES ME A LOT OF REFUNDS DUE FOR THE PAST YEARS. I am settling in a new place. Your response will be awaited for further action. I can afford legal expenses only when i get all these dues back to pay them. I hope you will treat this matter not lightly for unknown reasons or volumes of complaints received so far in your CFPB.

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 2017-07-23
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 XXXX XXXX-2016 Not my account Fraud account identity theft

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 2017-07-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX threatened to damage my credit by putting a charge on my credit reports. They wanted {$540.00} for falsely accusing me of having a pet while living there. Just after moving in I sent several emails to the office stating that they needed to change the carpet due to pet odor and hair. My daughter is highly XXXX! My daughter was not able to stay with me very often because of this issue. When I finally was able to move out since they never corrected the situation, I was charged with {$540.00} for pet stains. I refused to pay so they sent the bill to collections at National Credit Systems. XXXX XXXX XXXX changed management companies several times. Many other clients have the same complaint against them, unlawful charges upon moving out. I have contacted both XXXX XXXX XXXX and National Credit Systems asking for a copy of the lease where I PAID A PET DEPOSIT or any form of verification ( picture etc ) of a pet!! I will not pay for something I did not have. They were given the time to comply with my request and have not. Therefore the collection should have been removed from my XXXX and XXXX credit report. I have hired a lawyer and will sue since they have not followed the law. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: Information belongs to someone else

Complaint:
It's not my account, i never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ATTN Fraud Department : Remove fraudulent accounts 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