BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: FL
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 've been educated about changes regarding public records reporting that took effect XXXX 2017. I called Equifax about these changes and to get additional information from the company directly. They advised " it was a false rumor '' and that it had no truth to it. I advised them that it was true because XXXX had just removed it a few days for that specific reason.
The change dictated that if a reported tax lien did not XXXX major pieces ( 1-name, 2-address and 3-date of birth and/or social security number ) along with regular 90 day updates that it would be removed. I received a copy of the official lien notice reported by the Clerk of Circuit Court, XXXX County, XXXX, Florida. It did not satisfy the minimum requirements currently in place, but Equifax agents insisted I could not dispute it nor were they required to comply with these changes. I 'd like for the CFPB to confirm if this public records change is valid, and if so to contact equifax about this matter.
I also collected a fax number from the equifax agent and sent a written letter with a copy of my SSN/DL and the lien notice supporting my claim.
IN ADDITION to advising me the change was a lie, Equifax has locked me out of viewing my credit report. I reported the issue Friday XX/XX/17 and was advise it was a 'known issue ' and being handled by their technical department, and to call back in an hour.
I called back on XX/XX/XXXX - was on hold for 61 minutes with no answer from an agent I called back onXX/XX/XXXX - was on hold for 90 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 95 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 110 minutes with no answer from an agent I called back on XX/XX/XXXX requesting to cancel service thru the automated system and an agent answered in 3 minutes. That agent referred me to another number. The second agent spoke had me for 49 minutes ( 36 minutes of that on hold ). Then that agent sent me to another agent ( " supervisor in the speciality department '' ). This agent extended the call another 65 minutes. All agents stated " we ca n't unlock your report '' and " we ca n't update your credit report '', but none of them can explain why or when it will be resolved. They did all say I could continue to call back for updates, and they would not notify me when the " issue '' was corrected.
They offered me a reduced rate of {$9.00} for 12 months but i declined because paying 50 % for nothing does not make anything a good deal.
Can someone please help me with this? They are not listening and not addressing my credit report issues.
**To CFPB, please do not publish my attachment ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I borrowed {$27000.00}, have already paid {$18000.00} and still owe {$32000.00}. Much like so many of my peers, I am so overwhelmed with by the weight of my student loans. I have been paying more than the minimum payment, on time for over five years. I get extremely discouraged when I see I still owe {$5000.00} more than what I originally took out. Every three months, the interest rate rises. The interest rate is now up to over 12 %. Interest accrues daily, and my payback amount goes up every month. These rates are despicable and should be illegal.
As a teenager, going into college, the financial aid department and loan companies assure you, once you graduate you will be able to pay off these loans. I was ignorant to believe this. I did not know I would be paying back double what I borrowed. I think the schools and loan companies need to be more transparent and educate students on these terms.
At a time when young people should be planning their lives, many now are faced with inescapable lifelong student debt which sucks away most of their disposable income. Many in our generation wake up every morning and realize that we will never be able to afford a car, a home, health insurance, or even to start a family. The American Dream? Gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian credit bureau has incorrect information on my credit report such as a 80 % credit usage when the correct credit usage should be 25 % per XXXX credit bureau. Also, Experian has my current debt incorrectly as {$53000.00} when my current is actually {$51000.00}.

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 explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is an updated complaint. On XX/XX/2022 I notified TransUnion was notified by me XXXX XXXX and the CFPB of the violations that they are clearly guilty of. I will upload all exhibits. On that day the company was notified by the CFPB and also on Monday XX/XX/2022 at XXXX am my violation letter and invoice was signed for by XXXX. I have not received a response from transunion. I have also asked for description and procedure of the reinvestigation of the XXXX account that they stated was verified but they never provided me with the information. I asked for this two different times and I have disputed these accounts for three years now and this company is reporting false and misleading information and also incorrect information. They are in violation of the FCRA and they haven't responded to my complaint and they have not paid the invoice.

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 2021-10-03
Company: Professional Claims Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company called " Professional Claims Bureau , Inc. '' located in XXXX NY, sent mail to my address in texas ( which i have no idea how they even got this address ) claiming to have tried contacting me about a debt that ive never seen any documentation on. They provided no information on this debt as a baiting tactic, then in the letters they sent, they use manipulation tactics to try and guilt you into paying them ( they also sent 4 letters, with random dates on each one ). They also put language in there saying " if you dont respond or pay within 10 days we are assuming you have no intention of settling this ''. First off, the letter came 11 days later, because they mailed it via USPS standard mail to my texas address... so threatening to make assumptions about if i respond, is not ok. Secondly, they didnt bother to provide ANY information on what kind of debt this is, no itemized pricing... nothing. It could be a billing error for all i know. Third, im not going to be intimidated or manipulated into paying some out of state collection agency 4 bills, just because they use intimidation and manipulation tactics. This really shouldnt be allowed at all. I do not live in new york. And the fact that they somehow have my address in texas, irritates me because i have no idea who these people are. I would like them to stop pulling personal information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Mercedes Benz Financial Services
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, 2012, i got a lease from mercedes benz financial services. I was actually a guarantor, not the user of the vehicle. Later that year, my business was shut down because of XXXX XXXX, and I was unable to make timely payments for the car anymore. Repeated attempts were made to explain the situation to Mercedes Benz, for them to take back the vehicle and try to understand that my business was flooded and inoperable. They would n't allow it, and forced the lease on me. I was late in my payments and then finally the vehicle was repossessed XXXX. 

They forced me to continue to pay for the lease even though the vehicle was no longer in my possession, and refused any sort of sympathy. 

Even though I used the vehicle for only one year, they forced the entire three year term on me - understanding that my business was flooded because of XXXX XXXX and i no longer had income to cover the payments. 

I paid out the entire term of my lease, every single penalty payment was made as soon as my business went back on its feed. In the end, i ended up paying almost the full retail price of the vehicle ( with all the penalties they forced me to pay ), for using it for only 1,5 years. And my entire credit history was destroyed. 

Please help, remove this from my credit report as I feel like Mercedes Benz took advantage of a situation that was completely out of my control - and now I gave them more money than the vehicle was ever worth, while only using it for close to a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
New additional information. 
I sent a debt validation letter to Navy Federal Credit Union XX/XX/2022 in reference to an alleged debt in the amount of {$10000.00}. I have not received a response from Navy Federal Credit Union pertaining to my debt validation letter. This is a violation of my consumer rights per FCRA, FCDPA. As a consumer I have a right to request and alleged validation of debt. As off today which is past the allowable time to respond. I will be seeking remedy for all violations. Navy Federal is reporting charge off every month on a closed account which is also a violation reporting on my consumer report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Nelnet, Inc.
State: CA
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:
Nelnet is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have reason to believe Chase engaged in the same type of fraudulent practices as XXXX XXXX. I was a Chase credit card customer. Chase sent me publicity asking me to " upgrade '' my credit card to a Slate credit card in XX/XX/XXXX or XX/XX/XXXX. I ignored the publicity because I preferred the terms of the card I already had with them. Out of the blue, I received a Slate credit card in the mail. Initially, I thought the card looked suspicious and not like a real card. I never activated it, because I had not ordered it, and I did not want to switch from the card I already had. Then I was notified of XXXX transactions on the new card, made in XXXX ( while I lived and was in XXXX ). These transactions were made about two weeks after the card was issued. I called Chase to report the fraudulent purchases and to report that I had not ordered the card. I asked why the transactions had gone through if I had not activated the card. I told them I did not want to use it and either cancelled it, or switched the account to a different card I preferred. The customer service person refunded me the fraudulent charges, but Chase never explained to me why my credit card had been switched to a different card I had never asked for. Also, the customer service person said a card had been swiped at the store in XXXX, although it appeared I had received the card in an original Chase envelope with the standard new card letter. This, and the fact that the purchases happened so soon after the card was issued, and because Chase headquarters are in XXXX, made me suspect insider fraud. I thought the employee who had the card issued to me without my authorization may have made a duplicate of it ( or the one I received was a duplicate ), and he or she used the other card in XXXX. I did not follow up on my complaint about the card being issued without my approval earlier because I had been refunded for the fraudulent purchases and I quickly changed the card to one I preferred, but hearing about what happened at XXXX XXXX, I thought it was my duty to report this to the Federal government to assist in any investigation of Chase Bank that may be undertaken, in case this was not just a single occurrence but a systematic practice. Thank you for considering my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX I was approved on an individual basis for an American Eagle credit card through GE. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX student only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX student is n't stressful enough, I have been stressing about his debt that is hurting my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Credit line increase hard pull On XXXX/XXXX/16. 
I used the online service to request a credit line increase for my Walmart credit card. Upon doing so, I received an automatic electronic message indicating " unable to process online credit increase for this account ''. I contacted customer service, who failed to inform me that requesting a credit line increase via telephone will result in a hard pull. The representative only asked for my annual income and amount of increase ( how much ), then immediately processed my request. I was denied. He said I would receive a denial letter via mail within 7 days. Thus, I inquired if my request was a hard or soft pull based on the fact I did not regard the credit request as an actual application process and I was not advised beforehand by the representative so that I may opt out of my request. I immediately expressed my concerns regarding his lack of providing adequate and appropriate customer service relating to credit limit requests.

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 2016-09-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
SYNCB inquired on my credit report without my permission. I contacted them and asked why they were reporting an inquirie on my credit and they could not give me anything I have ever applied for or signed for with them. I have never signed anything with their bank.

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 2015-12-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a loan with Care Credit at my dentist 's office for paying for an expensive 18 month treatment. I was told the loan was interest free. Now I am paying interest each month. My balance of nearly {$1000.00} does not go down very much. Making payments on time is difficult. I ca n't get a history of my account or what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is being serviced through Seterus Inc . They have reported to the credit reporting agencies as a Chapter XXXX bankruptcy. I am not in bankruptcy and have never been late. My husband and I work in the XXXX and can loose our jobs for poor credit and bankruptcy. I called seterus and they told me that it was a debtor mismatch and it would be corrected. I received a letter from them on XXXX XXXX stating it has been corrected. As of my new credit report is it still showing chapter XXXX and now they have the loan as closed/no balance. I have called XXXX XXXX ( the Seterus rep that sent me a letter ) and she will not return my calls. My credit score has dropped over XXXX points in their reporting error and I can not get any help in correcting. My livelihood is at risk, we ca n't move to a new house and I ca n't re-fi my mortgage to get away from them due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - 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 non-monetary relief
Consumer complaint received 2016-01-18
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
These amounts were emergency room copays and were incorrect due to being admitted which would wave the copay Also I have a charity care application which covered all my unpaid medical bills at hospital Currently I am XXXX under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Have XXXX student loans with Navient. Have been making a consolidated payment each month. Received a letter of default and called. They stated I have n't been making payments. Checked online and all payments PER THEIR website have been made. They have now sent me to a collection agency. This is Insane!! And each time I call I receive a different answer. If I am making the agreed payment each month I know it 's not legal to send me to collections. This company has the worst collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Sallie Mae/XXXX used unlawful and predatory practices to target my former school XXXX XXXX into taking out absurd amounts of money to enroll in their program. XXXX XXXX closed in 2016 and I believe Sallie Mae/XXXX needs to be looked into for all the students that were taken advantage of at XXXX. We are in enormous amounts of debt due to default on payments because our lender would n't let us pay what we could be requested insane amounts from us. XXXX promised us careers where we could pay these amounts and this was untrue. Please hear our stories!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney

Company response to consumer: Closed with explanation