BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan was in deferment because I went back to school after  XXXX . I needed to extend my deferment because the initial length was not long enough. Reason being I was enrolled in a   XXXX   XXXX   but decided to get a  XXXX    XXXX   through a program at my work. I called Navient multiple times to try and get my deferment period fixed and got little results.  XXXX  mishandled my paperwork and did not file my request. The result ended up being my deferment ending pre-maturely, the accrued interest from my deferment being applied to my loan principles then a day later my deferment started again. Essentially, they messed up my paperwork, added thousands of dollars to my loan balances and when I asked for a recording of my phone calls to them for my recorsd since it was clear they had made mistakes they at first said " Yes, we can absolutely send you copies of the calls '', then the woman went off and spoke to her  manager and to ld me if I wanted the call recordings I would need to get a subpoena from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I show discrepancies on my credit report. Enhanced Recover '' XXXX '' XX/XX/2016 for {$1200.00} XXXX has account listed as " Charge OFF '' and XXXX has account listed ad " Collection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Kimball, Tirey & St. John LLP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously lodged a complaint against Kimball, Tirey, and St. John on XX/XX/2018 detailing overwhelming evidence, coupled with dates, indicating I am not responsible for the debt they are pursuing me for. This debt appeared on my credit report and, after lodging my previous complaint, it was removed as I am clearly not contractually or legally responsible for the debt. 

I am lodging an additional complaint because Kimball, Tirey, and St. John are continuing to send paperwork to my home addresses to me, in spite of the fact that I am not responsible for the debt. Moreover, they have contacted individuals I am in contact with to pry them for i information on employment and income, representing themselves as apartment managers confirming employment for a recent apartment rental application. Thus, they are misrepresenting themselves to pry personal and confidential information for which I have not authorized them to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had frequent problems with Seterus processing our payments, duplicate payments, payments for shortage in escrow that they manage. We received a letter once again stating we were short, I sent the full payment for that shortage they claim and the check was cashed to avoid them applying it to our mortgage. I wrote on note with the payment that this was for the escrow shortage and listed the acct. We received the mortgage with an increase and paid it. I included a copy of the escrow shortage check that was paid with a note explaining not to apply the shortage to our mortgage. We received a letter stating they would look into the matter and to this day have not seen our mortgage adjusted back to what we were paying. My credit was also ruined because of past issues they claim they would clear on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I should be allowed free access to my credit report and score any time I want without paying for it, its my file, my credit, and my score should be available to me free of charge whenever I request it. I feel its being withheld from me unless I pay money for it. ( ransome ) XXXX, XXXX, and Experian should have to provide scores and reports to consumers upon request for free. 
My experience is my score seems to be running backwards, the more I do to improve my credit the lower my score is going. Also items once removed just reappear, you can not dispute anything, if it does get removed it shows back up the next month. 
Experian was the reporting agency I have been dealing with and getting nowhere. They are sending me a report but I have to pay for my score.

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 2022-09-01
Company: Experian Information Solutions 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:
XXXX XXXX ( she uses multiple different last names ) of Texas used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both Experian and XXXX. I believe my record on XXXX is clean. 

On Experian, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.

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 2019-07-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My funds were put on hold for 180 days and I would like to get them as soon as possible venmo is violating Florida law when it comes to money transfer service venmo should not be allowed to do business with the state of Florida venmo should be fine for the maximum extent also representatives from venmo use racial profiling when addressing my issue I'm asking for the immediate resolve and return of my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/19 we have been trying to get the restricted escrow money in the amount of {$4700.00} released to our contractor. Our house closed in XX/XX/2019 and it was too cold to pour concrete so money was withheld at closing for the contractor to come back in warmer weather and complete the concrete work.The work was completed in XX/XX/2019. This amount is separate of our traditional escrow account. Multiple supervisors have been contacted, multiple " incidents '' have been filed to try and get this money released. As of today XX/XX/19 money is still not paid to our builder and a lien is being threatened on our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: SLM CORPORATION
State: AR
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 contacted Sallie Mae customer service via chat about different payment plans. They told me forebearance was the only option. I asked for additional information and they said they do not offer any other adjustments to payment plans at this time. I told them of my co-signer and I 's financial difficulty and they said forebearance was the only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called the compa ny ARS ( Account Recovery Services ) to validation of this debt that has been reported on my Credit Report several times. I spoke with t he agent who would not provide any information. He kept going around the question. I 'm not understanding what to do next this company is becoming a nightmare and its affecting my family to the point where I 'm unable to provide us with a place to call home. Please assist me with resolving this issue.

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: Financial Credit Service, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted via my cell phone  ( first time ever ) f rom Asset Recovery Associates this morning. I was advised I have ignored their letter  (  I have not received any written communications from them in the past ) and they were offering me a one time " deal '' to settle a {$11000.00} debt for an electronic payment of {$1500.00} and {$2400.00} on  XXXX   XXXX . When questioned I was informed the debt was from a  XXXX  Credit Card I reportedly defaulted on in   XXXX  . When asked to provide verification of this debt I was told no and if I did not take the offer the court had already been notified and a judgment would be levied and my wages garnished for up to 40 %. I informed the supervisor  XXXX   XXXX  (  XXXX   XXXX  ) that " IF '' this was my debt the statute of limitations in Mississippi was three years and he was eleven years outside of that. Mr.  XXXX  then became irate and called me irresponsible, a bum and a " superthief '' for " taking '' the money from  XXXX . Mr.  XXXX  ten went on to say he would " GAURANTEE '' I would pay the {$11000.00}. I sent him a responding email to cease and desist all contact and the state statutes for time barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This relates to Capital One Venture X account and their Fraud department. 

On XXXX XXXX my account was restricted. I contacted customer service and was informed I was on a recorded line. Over a period of 30 minutes, I was asked to verify my personal information, and the Fraud representative reviewed my transactions and I clarified that they were all accurate. I was informed that the restriction was cleared and I should wait a few minutes before trying to purchase the item that triggered the alert. 

I did exactly as I was instructed to, and my transaction was once again denied. I received texts and emails to contact Capital One right away because of suspected fraud. I did so and was once again routed to the fraud department where I was required to not only identify my personal information, but to send photos of my drivers license, I did so reluctantly but with an understanding as to why. 

Then the representative wanted to review my transactions that I had already done on my prior call with a Capital One representative five minutes prior. As I did not want to spend another 30 minutes reviewing something that I had already done, I requested a manager and was transferred to XXXX ( XXXX XXXX Fraud ) who informed me that I would be sent a link to take a picture of my license and be verified even though I had already done that with the prior representative that transferred me to her attention. 

I asked to speak with her manager, she was adamant that there was no one higher than her that I could be forwarded to and I would have to work with her directly. I chose to hang up and attempt to communicate with Capital One via e-mail to resolve this issue. I then realized that there is no e-mail for Capital One. 

Why is there no way to communicate with Capital One directly via e-mail? By not allowing me to send electronic correspondance they are putting me at a disadvantage. I am unable to retain any written documentation of my issue and yet they can record the entire conversation for their records. 

Why am I required to continuously identify myself on the same call when being transferred to a manager? and why must I have to verify transactions again when they have already been done on a recorded line? Are there no call records that can be reviewed to avoid another 30 minutes of verifying transactions? Are the individuals at fraud reading from a script and unable to deviate from it based upon circumstances that can be proven in their records?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive  it. Ad Astra  originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit report and seen Debt Recovery Soultions is reporting  XXXX  accounts stating that I owe them. I sent the agency a  XXXX  validation letter asking to provide proof and my signature stating I gave them permission and access to my personality information. Debt Soultions sent a letter NOT  VALIDATING  my information but verifying information. I see a lot of things on the verification letter that 's incorrect. The phone number that they have on the letter  XXXX  NEVER had that number. The service date that they provide does not match the service date that 's on my credit report. Debt Soultions stay the service date on the account is from  XX/XX/XXXX ,   XXXX  and the  Service date on my   account says  XX/XX/XXXXX    Debt Recovery Soultions will not send me validation of this debt they only sent me verification that 's very incorrect. Debt Soultions failed to verify information. I 'm sending a second letter asking for validation .Debt Soultions also wrote in the letter that " the amount in hbd due from patient column on the enclosed is   XXXX    because the account has been charged off as delinquent ". There is information that 's on their letter that does not match my information

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed XXXX with Transunion yet they continue to " verify '' that the information is correct. I have disputed the company one time already with CFPB yet they did not reply so I 'm wondering how could Transunion get verification if CFPB could not. This company in question is a payday loan and in my state of NC I have found that they are illegal. So I am requesting the steps of verification that Transunion took and I am requesting that the company provide proof that there is a contract and that the contract is legal since I have found that payday loans are illegal in the state of North Carolina.

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 2022-08-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-11-16
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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