BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello. I am concerned about the recent allegations against Navient and would like my student loans to be verified. My monthly payments are increasing and Navient has not been very accommodating with a repayment plan. Unfortunately, with the income base repayment plan, Navient does not take into consideration other financial responsibilities of the borrower. I have explained and provided evidence that I am the only employed adult in my household with the responsibility of paying all household bills and daycare for my XXXX children. My husband is unemployed. I can not afford a monthly payment of over {$1000.00} a month in student loans alone. In the case that they can not be verified I would like to request that the loans be removed from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan with quicken loans ( end of XX/XX/XXXX ) I disclosed there was a foreclosure in the initial questionnaire. I was told I was approved for an FHA loan. They put me in contact with a realtor and I started looking at homes. I found a home that I put an offer on, paid {$400.00} for the appraisal and {$320.00} for the inspection. I was still looking as the real estate market is rather low right now. I was speaking to another lender and disclosed the foreclosure to her and she looked up my credit report and said I would not be able to even start looking for a home until XX/XX/XXXX. When I called quicken loans they assured me that everything was going good and our closing date had been moved up to XX/XX/XXXX. I then began asking how this was possible when I was just told by another lender it was n't possible until XX/XX/XXXX. Then they started fumbling around and changing their words. My wife called and spoke to a XXXX XXXX Representative who " investigated '' the situation. My wife asked her how this was not their fault for allowing us to move forward and pay out {$400.00} for the appraisal and {$320.00} for the inspection. We were lucky enough to save the earnest money of {$3500.00} that was also paid out. If I had not spoke to another lender I would have also lost that. We would have never found out until underwriting which would have been too late to save anything ( if they would have caught it ) The Loan Specialist I was working with seemed over whelmed and over loaded as he could not keep his accounts straight, he asked myself and my wife multiple times regarding the car loans we currently have and only asked 1-2 times regarding the foreclosure. I feel that they are at fault and need to pay us back this money. If they had not given us a false approval we would have never paid out the money we paid. I feel that I was taken advantage of and even a bit violated by what they have put us through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX I informed representative that I was unable to pay the debt at the time due to severe medical issues and requested that they not contact my cell phone number per federal guidelines XXXX XXXX same as above, reminded them that they are not allowed to contact a cell phone after they were informed it was a cell phone and was told to stop. 

XXXX XXXXreceived yet another call, informed representative again that this was a cell phone, two prior demands were made to cease contact to a cell phone. Rep informed me that it is " not illegal when you owe someone {$1800.00} '' and continued to become verbally abusive. Attempted to call back to speak to a supervisor to address the prior rep 's behavior, was placed on hold for several minutes. Did not get routed to a supervisor. 

All of my calls are recorded per state 's one-party consent law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NC
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 XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Experian Information Solutions Inc.
State: ND
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 disputed the XXXX/XXXX asking that Experian investigate for fraud but they have still failed to block the negative information from my credit report. As per FCRA credit reporting agencies must block fraudulent information from a consumers credit report within 5 days or receive sanctions. Please remove this derogatory item immediately.

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 2022-01-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, XXXX, and Experian on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: United Student Aid (USA) Funds
State: FL
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 went to XXXX XXXX Institute From XX/XX/XXXX to XX/XX/XXXX, during that time I was injured in a XXXX XXXX XXXX accident at the facility where XXXX XXXX was located. I have been declared XXXX since XX/XX/XXXX, my first XXXX XXXX. My XXXX has been being garnished since XX/XX/XXXX at over $ XXXX/month. I have tried through XXXX XXXX, USA Funds and XXXX to get my school loan discharged, with no luck. I have gotten statements from XXXX, from The Dept of Education and have been trying to receive a statement from The Florida Department Of treasury, as to exactly how much money they have with held from me over the past 7 or so years. And XXXX states I still owe over {$15000.00} on a loan that was originally {$6400.00} to start with. I do n't know what else I can do to get this loan discharged. I am permanently XXXX and $ XXXX/mo is not enough to survive off of. PLEASE HELP!!!! I am my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a notice on Friday stating I owed money for medical bills. It went from XXXX to over 1200. What was a simple blood test, turned into a huge loss. I called Monday morning to make a payment. I paid XXXX to them. Tuesday morning I woke up to see my bank account drained. I called my bank who stated it was the collection agency. I only authorized the XXXX to be paid. They took everything I had without any legal authority.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Experian Information Solutions Inc.
State: TN
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 several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 2022-08-04
Company: EQUIFAX, 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:
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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
Equifax requested that I send in verification documents to obtan my credit report. Documents sent in and I'm still unable to get the credit report due to the fraudulent address they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After 7 years paying my mortgage to chase bank on time l got laid off from my job. I was able to keep up my payments for a while but I finally started to fall behind on my payments. In XXXX of 2019 I had fallen to three months behind. I was told by chase bank that I needed XXXX to bring my account current and to get it out of default and that needed to be done before XX/XX/XXXX. The good thing was I started a new job and I was able to get back on my feet. On XXXX XXXX I made the payment of XXXX which should have taken me to current. But when I got my next statement they did not credit my money to bring me current like I was told, they used that money for fees and late charges. So they once again they decieved me. I say once again because 3 years ago my mortgage insurance was supposed to come off my loan because I had meet all the criteria to have it removed but when all this stuff started I noticed they never removed it as I was told and they had been over charging me XXXX a month for over 3 years. Last week I received a letter from chase that they sold my mortgage to a company named XXXX XXXX. I went on to my chase online account to pay my current mortgage payment but it will not accept my payment. So I went to the XXXX XXXX website to see if I can make my mortgage payment there and it says that my account info will not be available until XX/XX/XXXX so now I am in limbo. I dont think its fair that theses banks can just do what ever they want and the little guy like myself that is trying to do the right thing only option is to spend thousands of dollars to hold these banks to doing the right things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: BANK OF THE WEST
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I submitted a mobile deposit to Bank of the West on Monday   XXXX   to which they put a hold on the deposit. I then had a check clear but due to those funds being on hold I was charged an Overdraft fee, even though there was enough to cover the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft, someone fraudulently opened the following account in my name : BARCLAY 'S BANK DELAWARE # XXXX OPENED : XX/XX/2015 AMOUNT. {$750000.00} I HAVE ENCLOSED MY POLICE REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.

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 2021-07-22
Company: CORELOGIC INC
State: TN
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:
We purchased a new XXXX  XXXX XXXX on XX/XX/2020. We did sign a, " Truth In Lending, '' form from the dealership. We were a wear that was part of the purchasing agreement. How ever we were not a wear that after the 12 or so lender they used for the propose of the finance would be reported negatively on our credit. So instead of one or maybe even two, there were several found by XXXX XXXX on our credit that had to be removed. This should not be. Just because a seller chooses to use multiple banks, should never effect the consumer in such a manner. This causes a consumer credit rating to drop drastically. It is my hope that one day this is something that congress takes into consideration for the working people. None of us can afford for this to happen. We knew we were going to have to refinance, and try to get a better situation. But how can you do much better with these kind of things on your credit history pulling you down!

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-01-22
Company: Financial Business and Consumer Solutions.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I receive phone calls from a collection agency regarding a bill I paid off. It was an overdraft loan and through The XXXXXXXX XXXX here in XXXX, NH XXXX. This bill was paid in full by me physically going to the bank and making payment to them. My husband passed away XX/XX/2021 and I paid them off on XXXX XXXX. I do not owe the XXXX any money & I no longer do business with them. 
I just got a call from their collection agency last Friday XXXX XXXX. Their listed as FBCS Consumer Contact Solutions - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, PA XXXX - toll free # XXXX. 
I want this corrected ASAP on my credit report etc. as I am trying to refinance our home. I need a lower mortgage payment since my husband 's passing last XXXX with XXXX. My income has been significantly decreased due to his passing. Thank you so much for any help you may provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING 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 non-monetary relief
Consumer complaint received 2017-07-21
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report from XXXX, XXXX and XXXX and noticed a collection account reporting against my SSN from AWA Collections. Prior to me obtaining a copy of my credit reports, I had no knowledge of this account or alleged debt. I have requested validation multiple times from the credit reporting agencies regarding this account and have only been told it 's " verified '' with no supporting documents. I have also contacted AWA Collections multiple times, the last being on X/X/2017,  for validation of this debt and have yet to receive anything. I have no contract or agreement with this company and have never received any goods or services. I have a right to have information validated that is contained on my credit report or it needs to be promptly deleted. I have not received a copy of a signed contract or any other verification from AWA Collections.

Company response to consumer: Closed with explanation