BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Navient Solutions, LLC.
State: TX
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:
About 6 months ago, I requested for my loans with Navient to be consolidated. Soon after this request, I told called  Navient and  told them I changed my mind, to cancel my consolidation. a few months later, I realized they went ahead and consolidated my loans. I argued this was a mistake. They told me it can not be  UN do ne. They looked through my phone records and told me this request was not found. I then called the ombudsman group and they worked with me and a Navient represent ative. One month ago, my loans were UN consolidated . Most of my loans were separated and I was happy. In fact, this was reflected in my online records. Everything was fixed. The  Navient manager said she was closing my case. I received a phone call today by this same manager apologizing to me and telling me there was a mistake. The reversal of the consolidation was a mistake. They were now in the process of RE consolidating my loans . I can not understand how this happened. How there have been so many mistakes in my case. I want my loan s UN  consolidated. I do not want a consolidation. I do not know who to turn to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 collections from XXXXXXXX XXXX for the same amount of XXXX. One is for an account dated XX/XX/2018 and one is XXXX XXXX they have been assigned to southwest recovery service . I have never had a XXXX XXXX account and I called to inquire with southwest recovery and they said call XXXX XXXX, when i called XXXX XXXX the said call southwest recovery. XXXX XXXX  or southwest recovery has never tried to contact me, of course they wouldnt know my phone # or address because ive never had an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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  accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have viol

ated 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 that 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 explanation
Consumer complaint received 2021-03-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested specific information from Chexsystems in order to resolve an issue with XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to Chexsystems in XXXX of 2020. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as Chexsystems and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that Chexsystems must have received my letter on XX/XX/2020, yet on XX/XX/2020. Chexsystems generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that Chexsystems is in violation for not researching my 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
Consumer complaint received 2021-10-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company to try to settle. I asked for them to mail me a validation and agreement and the woman on the phone refused to send it by postal service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX  of  XXXX , I received a notice from   XXXX   XXXX   XXXX   XXXX   that my loan was being transfered to Shellpoint mortgage. They sent me a bill in  XXXX  and I have been paying. However, very prominently displayed on my statement ( attached ) is a demand for {$29.00},   XXXX   I was shocked. I called to inquire and the representative said it was legal fees from when I modified my loan with   XXXX   XXXX   XXXX   in  XXXX . I was told it would come off the  XXXX  statement. However, when I called in  XXXX , I was told that I might owe this money. How can I owe this money when the modification happened in  XXXX  and I have been current and paying my bills?
The second issue is that this mortgage company has put forced placed insurance on me when they know that there is no structure to be insured.  XXXX  of  XXXX , the house for this mortgage burned down -- only the land remained. Even though I have been living like a dog, in trailer without water or electricy, I work two jobs to pay my mortgage. That property is all I have. ( You can read about my struggles in w  XXXX   ). I would like help before I get caught in the bureaucracy of this crazy lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed  XXXX  collections on my credit report from Americollect. I sent for validation of the debt since it did n't state who the original creditor was. it only had  XXXX  and one for  XXXX . Americollect never responded, yet they continue to report this inaccurate information on my credit file. This agency is not bonded to collect in my state. They are operating illegally and they are violating the laws of the Fair Debt Collection Act.
This agency never sent me a letter or anything notifying me that they were putting anything on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient is my student loan provider. I also owe from a student loan from a  XXXX  college, the loan borrower is Nelnet. The Nelnet lo an is from  XXXX , this is what I owed then {$3200.00}. I was paying on it for a long time then I started going back to school in  XXXX  to get a  XXXX   XXXX  so I deferred. I still owe {$4000.0 0} on the Nelnet loan, I asked Nelent to  forgive my loan and they denied also. Since I have had  XXXX , they have emailed me about deferring every time I get behind so I defer. What was a  XXXX  loan is now close t o  XXXX . This is because of deferring payments and interest. Today I am behind three months. The beginning of the year I asked for a  XXXX  forbearance for the school year and was denied. Today I looked into def  erring and if I defer again the balance of my loan will be close t  o 70,000. How am I ever to get this paid in my lifetime when the interest is outrageous?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
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: Account information incorrect

Complaint:
XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and Equifax has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by this company. Attorneys want to much money and NO ONE cares, within the governme nt or their agencies, that there is fraudulent info on my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXX dollar loan after I was assured the interest rates were legal in NJ. I found out that the interest rate violates NJ usury rates of 30 % by contacting NJ department of Banking and insurance. This lending company is not Licensed in Nj. 

I contacted the lender and they have stated that they arent sure when Ill hear back from them. 

I had also took out a Previous loan that was paid off but still under the word that they were a licensed and legal lender in NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX XXXX and they are now have the most recent police report XXXX that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. TransUNION does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX XXXX  is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX  has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable

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 2017-06-05
Company: Platinum Holdings Group, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
worldwide assets has been garnishing my wages since   XXXX  -17, i do not know what im paying for .called the number my company gave to me. it is unlisted. my company said it was for  XXXX  have paid  XXXX  the case number is  XXXX . could you please help me find out what this is for or im beening scamed into paying., have not went to court or notify by mailed by company. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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:
someone is using my identity to get goods or services there are addresses on my credit file that do not belong to me. I do not live there nor do I have anything to do with them.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to get all XXXX Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? Transunion has no payment history. XXXX has been charged off since XX/XX/XXXX. XXXX has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.

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 2017-06-08
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: Account information incorrect

Complaint:
XXXX   XXXX   sold moved my mortgage to a debt collector playing mortgage handler (  XXXX  ). I have been trying for 4 years to get  XXXX  to correct my information within their company and what is being reported to the  XXXX  credit reporting agencies. I have filed disputes and made millions of calls to all involved and each  one p oints the finger at the other but NO ONE is fixing it. I have called   XXXX   XXXX    who also contacted  XXXX  to fix the issue and was told they had to close the claim as the company said they would resolve it. It is not resolved and I can not get a re-fi because my credit is messed up and they refuse to look at me until it is right. Credit reporting agencies can not fix it unless they hear back from mtg company and  XXXX  has dropped the account all together off my credit. I have now lost out on the lower interest rates and am being held  hostage by  this company. Attorneys want to much money and NO  ONE cares,  within the government or their agencies, that there is fraudulent info on my acct.

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 2018-05-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I did not receive my XX/XX/XXXX rewards check for {$150.00} from Synchrony Bank for my XXXX XXXX XXXX   purchases. I reported the matter several times by phone and in XX/XX/XXXX received a letter confirming my inquiry. I subsequently followed up about my inquiry numerous times by telephone and was told that the check would be issued but it was not. Finally I was informed by letter that the check that I never received had expired. I sent a formal complaint to the bank on XX/XX/XXXX about the run around I received about this matter. The bank emailed me a letter dated XX/XX/XXXX of their effort to resolve my inquiry in a timely manner. However, when I telephoned the bank several weeks ago, I was told that the only thing on record was that my letter complaint had been received but no information was available on its status. I think Synchrony Bank is still being intentionally unresponsive to this matter.

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 monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: AK
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:
This is the second time I have filed a complaint. Experian was contacted and I received ANOTHER reporrt # XXXX with so called " results ''. They give ZERO explanation as to HOW these disputes are verified. I have sent them on three different occassions ALL the bankruptcy paperwork showing that items have been DISCHARGED 2 years ago and that I am NO LONGER responsible for debt, including  XXXX and XXXX is well aware because they have reported it as such on XXXX  and XXXX  and yet EXPERIAN CONTINUES to allow this to be reported as an OPEN AND ACTIVE ACCOUNT and THAT is NOT CORRECT. I WANT THIS FIXED! I AM SICK of asking, I am sick and tired of doing my part and sending all the paperwork and being IGNORED!!!! I have done EVERYTHING that you and the FAIR CREDIT REPORTING ACT have said to do and I get NO WHERE! I WANT THIS GONE NOW!!!! I am going to continue to fight this as long as it takes until SOMEONE does SOMETHING to make it RIGHT! PLEASE take this seriously and do not allow a company like EXPERIAN to get away with report FALSE information. IT IS UNFAIR!!!

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