BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX i contacted Citizens bank to refinance my student loans i had with them. They instructed me to wait to hear back from them. I was simply refinancing through the same exact bank. After many phone calls back and forth asking what is going on and never hearing back. They finally refinanced my student loans. I just applied for a mortgage and found out that they reported a 30 day late on all 3 of my loans that have been consolidated. This is not my fault and this is GREATLY damaging my credit by 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
To whom it may concern : I took out a signature XXXX  loan for {$40000.00} from XXXX XXXX back in XX/XX/XXXX, with my father as a co-signer. By the time I was scheduled for my 1st payment in XX/XX/XXXX, my loan had already accumulated $ XXXX in capital interest. I made $ 100 monthly payments for approximately a year when I noticed an additional $ XXXX was added in capital interest. When I contacted XXXX XXXX, they stated I needed to increase my monthly payment amounts to $ XXXX to resolve this issue. In XX/XX/XXXX, my account was transferred to Navient for {$48000.00}, despite having paid over $ XXXX+towards my loan. I then continued making monthly payments of $ XXXX and have paid over $ XXXX and my current balance remains $ XXXX. During that time, I requested to have my father removed as a co-signer and was not explained the proper process, nor was I given any options to resolve my ongoing issues. Most recently, in XX/XX/XXXX, I was denied again because of some credit issue that I couldnt understand. 
Then finally I started hearing about settlements and loan forgiveness that were available to those that were Navient and XXXX XXXX I contacted Navient, along with various other places to see if I qualified. I kept being pushed from one company to another and then was told to wait for a postcard in the mail to tell me if I qualified. I never received the postcard, nor was it ever confirmed that I qualified for a settlement or loan forgiveness. 
I am looking to find someone that can provide me with guidance on finally ending this horror. I have spent over a decade making loan payments and still owe the same amount. I dont know if I qualify for any program or grant or forgiveness or if there is any solution that can possibly help me move forward. Please provide me with any help that is accessible to you. Please help those like me get out of this horrible mess. 
Sincerely XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY IS CLAIMING I OWE THEM MONEY AND THEY ARE AFFECTING MY CREDIT SCORE. 


I have submitted multiple requests to this company asking them to provide me with a copy of the original document of the debt ; I need to see the information of the so call debt I signed. I requested the documents from this company via XXXX XXXX, CFPB, and XXXX. 

======================================================= I am requesting a DEBT VALIDATION LETTER, The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor. 
============================================ tHE CFPB WEBSITE states -- -- > " Warning : Telling a debt collector to stop contacting you does not prevent the debt collector from pursuing other legal ways to collect the debt from you if you owe it, including a lawsuit against you or reporting negative information to a credit reporting company. 

Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That you can request the name and address of the original creditor, if different from the current creditor ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two FFELP loans serviced through Navient. Both have been enrolled I. IDR/IBR since entering repayment in XXXX. My annual recertification was due in XXXX, with my current plan expiring on XX/XX/XXXX. 

I followed the instructions to submit my recertification application on studentaid.gov on XX/XX/XXXX. This is the same process I do every year. My application was processed on XX/XX/XXXX. The IRS sent a notification of access to the IRS data retrieval tool dated XXXX. 

On XX/XX/XXXX I contacted Navient because my account had not updated. I was told that I did not submit my recertification documents. My IDR plan was not approved and my payment would be increasing on XX/XX/XXXX. 

After explaining that I did submit these documents, I was told that they did not receive them. Navient can not access information from studentaid.gov or request information from them. I would need to upload a recalculation request directly to the Navient website. I asked that my account be put on hold while the issue was straightened out so that my XXXX payment would not increase. I was told that because I was already in forbarence or had used that time, that was not possible. 

I confirmed with the representative that a recalculation would cause my interest to capitalize ; adding an additional almost {$2000.00} to my loans and extending my loan term. I also asked why I couldnt apply for forbarence or deferment when I have never used either option! I was told that because I did not submit my information I had effectively forfeited my income-based plan options. The representative emailed me the steps to submit a recalculation. I refused to do either! 

I became very frustrated and asked that my call be escalated. I was given this information twice! Finally I was passed to XXXX XXXX. She explained that it was studentaid.gov who was experiencing technical issues. She COULD request my documents be resent. And could expedite my recertification. I was told this process would likely take until XX/XX/XXXX. I received an email stating my plan was approved later that day. 

Had I not argued, in tears, with this company for two hours, I would owe them another {$2000.00}! I only knew to fight it because I had this happen before and had almost {$30000.00} added to my balance several years ago!!! I will never get out from under these loans because they provide false information and trick borrowers out if repayment plans and benefits!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2021 I filled out an online preapproval application with XXXX XXXX XXXX. On XX/XX/2021, I received a denial letter from American Credit Acceptance stating that XXXX forwarded my personal information to them. I do not know who they are and I never gave them my personal information. This company did not have my permission to get, keep, or review my personal information. I have a right to privacy pursuant to the FCRA. They also violated the FCRA by leaving an inquiry on my consumer report. This company also violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor. Pursuant to 15 USC 1602 ( f ) credit means the right granted. 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card. 15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. On XX/XX/2021, I filled out an identity theft report on this company for the fraudulent activity theyre performing. They are acting like theyre the original creditor and thats false and deceptive because their title is lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: SUNRISE CREDIT SERVICES, INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my phone numerous times a day. They have reported to XXXX that I owe an amount of {$430.00}. This amount was reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and is showing on my privacy guard account in my alerts. I have never done business with these people and do not have a contract or not bill/balance with this company.

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 2022-06-12
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The property by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated not only my financial rights but also my personal rights. They removed my personal property from my apartment which was the direct cause of many of my items being stolen. We were not in violation of the eviction notice as it was sent out that same day. Which means we still had XXXX hours to pay. I have engaged in disputes with this company many of times over the years because of this but they are not attempting to make this fair. The agency is also reporting the collection account each month without my prior consent. Also, I did not receive a letter of notification of this debt. I request that these accounts be removed immediately due to a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please see the attached information as I am disputing the inaccuracies as seen on all three reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: CA
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 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  Have 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 an 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
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have an abundance of unrecognized hard inquiries in the form of " XXXX XXXX '' that I just recently discovered. All of them are from XXXX. The " Creditors '' are listed below. 

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  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-04-28
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: Account status incorrect

Complaint:
THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX  Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted Prosper and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification on XX/XX/2020 from XXXX  Credit Bureau in regard to a derogatory account being added to my credit file. This account states that I owe XXXX XXXX XXXX XXXX an amount of {$310.00}. I have not had any business with XXXX XXXX XXXX XXXX for almost 6 years now and I believe this is an attempt for XXXX XXXX XXXX XXXX to re-age for a second time, an account that they claim that I had owed them but when I filed a complaint some time back with your agency for this re-aging, they had sent an e-mail apologizing the action and removed the derogatory account from my credit file. The debt collection agency handling this is called Credence Resource Management. See attached screenshot for more information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: TX
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:
Credit reporting agencies has n't delete collections, Unauthorize Hard inquiries and negative wordings on credit report. My credit scores are suffering because of the neglects and Retaliation of XXXX, XXXX and Experian. I emailing a recent credit report for with new case file number to Federal Government to review as evidence. XXXX XXXX. XXXX XXXX and Experian XXXX I am XXXX XXXX and Retired.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently tried to buy a vehicle, my credit application was submitted to Wells Fargo and they turned me down for financing, afterwards, I received two emails from them saying that accounts were opened in my name at their bank. I called in and they said they would " look into it '' and I still have yet to hear anything back. I am thinking they are back to their old ways and making accounts for people without their permission. If this is the case, I would like to file litigation against them for improper use of my identity and my personal information. XX/XX/21 is when this all happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23
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: Account information incorrect

Complaint:
It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Transunion and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive XXXX XXXX XXXX complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Transunion has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING 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 explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

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