BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXX FUND Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts. 
Per FCRA 623 ( b ) ( XXXX ) and 611 ( a ) ( XXXX ) and section 611 ( XXXX ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! 
Your assistance in resolving this concern as soon as possible is appreciated.

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 2017-04-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried on multiple occasions over the past year to get an income based repayment plan set up in which Navient has told me that I do not qualify. I have also tried to get my cosigner to be removed so that I would qualify since they are not paying back any of the loan. Navient has told me that I can not have her removed and combined we make too much. 
I recently ran into some medical expenditures and tried again. I spoke with a woman who informed me that I have qualified in XX/XX/XXXX and it is not XX/XX/XXXX. She then went on and played a forbearance message for me which I did not agree to. I told her I do not want to forebear but lower my payments due to income. She had her manager come over and fix the recording and played an income one which I agreed to for the amount of around {$170.00} a month. 
A couple of days later I received an email saying that I still owed a payment for the month even though they needed a payment upfront. I thought it was odd but they explained it to me as I was to pay more this month to get the lowered payments for the next 14 months. I received another email saying that my income based payment plan was going to be {$160.00} instead. I thought that was great! Knowing what they had told me over the phone I checked to see if my additional payment for the month was going to be lessened as well. When I looked it said I was in forbearance!!! I had specifically asked to ensure I would not be in forbearance and I did not agree to be in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from different numbers 5-10 times a day from the same company but they NEVER identify themselves. It 's always an urgent message to call them right away or they 'll sue. Now they 've left me another voicemail threatening to sue today if I do n't call them back. They never identified themselves or what account it was regarding. They have been harassing me for at least the past 6 months. I have attached the voicemail they left me today. 

Here are some of the numbers they 've called from along with Restricted numbers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
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 requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts.

Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE!

Your assistance in resolving this concern as soon as possible is appreciated.

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 2017-04-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: 360 MORTGAGE GROUP LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: AFNI INC.
State: OK
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:
I submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: TN
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 complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following accounts and remove them. I attached copies of my annual credit reports of all major bureaus so you can find wrong 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 2017-04-12
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was paying XXXX XXXX {$200.00} a month, had it down tob {$19000.00} then they said that was n't good enough and wanted {$350.00} a month. I told them, i could n't afford that. They were very rude every time I tried I work something out. Recently I found out they had written off the loan and have sold it to XXXX different collection agency who are now charging me over {$33000.00}. I 'm literally afraid that they will ganish my wages. Of the do I 'll lose my house, car and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I lost my job due to an motor vehicle accident that was not my fault. This made the loan fall behind. They refuse to to work with my husband on the loan. He is the only one working. They just called 6 times in less than 10 minutes. Even after he talks to them and make a payment arrangement, they call back 2-3 times the next day. They are threatening to sue. We are barely holding on to our home and keeping the cellphones on so they can even call us. The guy tried to basically force my husband to have us redo the loan. They even called and harassed us about that because we were close to paying off. Once when we thought about it, the young man wanted a vehicle title we did n't tell him about or offer for a {$12000.00} vehicle title for a {$500.00} loan he said our {$1200.00} lawn mower was n't enough along with a laptop. At that point we got up and walked out. We did not redo the loan. I have XXXX in a few days and my husband is under XXXX for XXXX himself trying to get our belongings from the wrecked vehicle. I need this resolved.

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 2022-08-26
Company: LEXISNEXIS
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:
/I called and disputed this account on XX/XX/22 to have this item removed and the Lexis Nexis still has not removed this account I have allotted them the required 30days and the dispute has not been settled and needs to be removed immediately! According to 15 USC 1681 section 602 A states : I have the right to privacy. According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. With that being said I have not given them written instruction or permission to report such information and neither has the courts! 

My reference number for the dispute is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX, XXXX XXXX and XXXX XXXX XXXX. I have reached out to my local police and the FTC as advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: SC
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:
I have new and updated information. Upon requesting my free consumer report and file I was not able to receive it. Correspondence from Equifax claims Ive been supplied the requested information, but I have not. 

Attached is the adverse action I got regarding this issue Certified mail receipt # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
I've been trying to get a copy of my consumer report from TransUnion online and was unable to for 11 months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on https : //annualcreditreport.transunion.com for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX XXXX XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on XXXX XXXX to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block

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 2017-04-14
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have sent letters in the the Credit Bureau because someone applied for items in my name without my permession.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief