BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: Experian Information Solutions Inc.
State: AZ
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 am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX, XXXX XXXX, 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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I do n't change my address. I 'm still live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. So last change my address is incorrect.

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 2016-11-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.

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 2021-09-19
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I feel that Navy Federal Credit Union maybe be acting unlawfully please see attachments for more information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: AES/PHEAA
State: MI
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:
My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XXXX to a new home and fedloan servicing apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance starting XX/XX/16 which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
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 demand they remove these inquiries of my credit report. I did not authorise these on my credit. XXXX and Transunion refuse to remove them from my credit 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 2021-09-19
Company: Experian Information Solutions Inc.
State: MD
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 am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.

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 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt )

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 2021-09-18
Company: Rozlin Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving a bill from a collection agency for the amount of XXXX from RFGI Collection. The original creditor is XXXX. This company contacted me via email first and I told them not to contact me again. However, this company is still contacting me by phone and email. I would like this debt removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Navient Solutions, LLC.
State: MT
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 am XXXX and have always paid off every loan I have received. All except the one I have with XXXX XXXX / Navient. I plan to provide information and patterns that show that this company is predatory and misleading in its actions. One question embodies this accusation. Why at the age of XXXX do I still owe the majority of my balance? My account history shows reflections of how I was lead into debt even further. No logical human would ever go down this road. 

This company has made payment information so unclear and unobtainable that it has steered me toward multiple misleading forbearances. I would like to be reimbursed for these dates where they effectively manipulated me and which shows up on my account history. 

I plan to provide all necessary information to all agencies that are filing lawsuits against this company and doing so myself. In the end, I want to repay my loan. I may have already fulfilled that loan repayment. I am not looking to turn away from this responsibility and can provide a flawless history of repayment to others. You may look into this yourself. I am now requesting that they settle on a reasonable plan to pay this off immediately.

I must come to an agreement with them. Not one that benefits Navient but one that ends this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for a short sale of my home and have been in review for over a year. In  XXXX   XXXX  my home was appraised and an offer was submitted however due to repetitive document requests we were forced to have our property valuation redone in  XXXX   XXXX . I was advised on  XXXX / XXXX / XXXX  that the value came in higher than my offer and that I could counter or dispute the value. I was given a list of items needed to dispute that value and was advised that I had time to do so, but was not given an exact time frame. I submitted the information to the bank on  XXXX / XXXX / XXXX  showing pictures and  contractor  information for the repairs of the home. I followed up with the bank on  XXXX / XXXX / XXXX  that the documents had been received as the account representative stated it could tak e 48-72 ho urs for docs to be uploaded, however the rep at that time advised the file was closed out on  XXXX / XXXX / XXXX  for an insufficient offer and that the sale date was set on  XXXX / XXXX / XXXX . To my dismay I was not aware that the foreclosure proceedings were continuing while in active loss mitigation review. According to CFPB guidelines :  Restricted Dual-Tracking :  Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. Why would this continue if I was actively being reviewed for a loss mit option? I would like to be allowed to have the valuation dispute reviewed and the opportunity to counter. 10 days is not enough time to do so in any regard.  SPS  now refuses to to give me the information I need to appeal the decision and the letter they sent to my authorized third party does not give a reason for denial or even information on how to appeal. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I do n't understand how my bank calculates low-balances. In XX/XX/XXXX, Commerce Bank in XXXX, Kansas took a third of my paycheck based upon " low balance. '' They do this every couple of months or so. This last time they charged me XXXX separate fees of {$36.00} each for a " low-balance ''. My balance never went below XXXX, and when I went back through the account to try to understand their math. I noticed that the " payable balance '' on any given date sometimes had holds based upon transactions that actually occurred one or more days AFTER the transaction that generated the running balance. I also noticed that some transactions that were shown as " holds '' never got paid. For example, there was a transaction for {$8.00} that appeared on a list of holds that was used by the bank to lower my payable balance and levy overdraft fees, but that amount never ended up coming out of my account. It just disappeared.When I tried to go back and find these items later, they had disappeared or the dates made sense. But I KNEW I had not imagined it. This month I have been keeping an eye out and I today I see an example. This XXXX is for XXXX. I got paid on XX/XX/XXXX. They always do this just before I 'm about to get paid. I 've attached XXXX files. XXXX shows a Running Balance for XXXX and XXXX shows the Payable Balance for XX/XX/2017 that you can get to by clicking on that Running Balance. The running balance for XX/XX/2017 shows XXXX holds. XXXX of holds is for {$6.00} and shows a transaction date of XX/XX/2017 but the actual transaction did not occur until the next day, XX/XX/XXXX. On the holds page the transaction date is shown as XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. Can someone explain why it is dated XX/XX/XXXX on the payable balance page? What does the transaction date refer to in this context? Clearly it does not mean the date that the held transaction took place. Can someone explain to me what is going on here? How is it legal for the bank to jump forward and backward in time this way? And what about transactions that lower my payable balance such that I have to pay a fee, but then the transactions never actually get paid? Why do some transactions just disappear? I just want to understand the math here. Remember -- they are doing this to me without my bank balance ever going below XXXX. Without a better understanding I ca n't see how I can use this banks debit card, and without the debit card, why use this bank at all?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am visually impaired student and their information to have my loans to be discharged I must be in a XXXX and or about to XXXX from my XXXX. That is what the customer service representative told me. I was so frustrated I hung up on them. My loan servicer is Nelnet. I have been calling them for the past month and they are not helping me. I can work but I am having trouble finding a job. Right now I am in school trying to figure out how to get the loan paid off before my parents find out. When I talked to the people who deal with the discharge they told me to go to the doctor and have them fill out a section about my XXXX and they thought that my XXXX just happened and it did not happen right away it happened since I was born.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: ProCollect, Inc.
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:
On XXXX XXXX I received a notification from both XXXX and XXXX about a new collection from Pro-collect in the amount of {$5300.00}. I have no idea who the collection agency is and I was never contacted by this company in writing or over the phone in an attempt to collect this debt. I disputed this with XXXX and they have completed an investigation and are saying the debt has been verified, but did not provide any information as to how and why they came up with this result. I want to report XXXX for reporting and validating the derogatory hit to me credit and also to Pro-collect for reporting this before contacting by writing or over the phone

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 2021-09-19
Company: Experian Information Solutions Inc.
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 disputed a collection account that was added to my XXXX and Experian credit profile. This debt was added to my credit report without any knowledge. The debt collector never attempted to reach me by phone or mail

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 2017-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS NEVER PROPERLY SERVED WITH A summons, XXXX XXXX & XXXX XXXX XXXX enter a affidavit for garnishment on XXXX/XXXX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM MRS.RHODES THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XXXXTHEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT LAWYER ON XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: NY
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:
My rights are continuously being violated under Title 15 USC section 1681 and USC section 1692 of the fair credit reporting act. Consumer has made multiple attempts disputing with Equifax that I am a victim of identity theft and do not recognize charges listed in my FTC identity theft report.I have filed complaints thru CFPB on XX/XX/2021, XX/XX/2021, and XX/XX/2021 and Equifax would provide NO proof of debt but claim debt was verified. The law ensure accuracy, fairness and privacy and all my rights under this statute are being violated. A Federal Lawsuit will be brought against Equifax for failure to comply with FCRA regulations if these items are not removed from my credit reporting file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: LA
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 submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. NONE OF THE BUREAUS IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. Only 1 bureau is showing the ''Account status '' as open and the other 2are saying that this account is closed. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My Navient accounts were put in forbearance from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX with no alternative payment options given. I paid interest only during this time. 

These student loans were issued in XXXX and XXXX. The total amount I borrowed was {$24000.00}. I consolidated {$22000.00} in XXXX XXXX which was also my balance in XXXX after 9 years of forbearance. I did not reapply for forbearance each year as the law states should happen. 

I have been paying on these since XXXX and I still owe $ 13,000+.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These are unauthorized inquiries and I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. 

XXXX XXXX XXXX XXXX : XX/XX/2021 Credit Union XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, 2021 Bank XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX NA Inquiry : XXXX XXXX, 2021 Bank XXXX XXXX  XXXX XXXX XXXX, VA XXXX ( XXXX ) 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 explanation
Consumer complaint received 2021-09-19
Company: Rubin Lublin, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rubin Lublin ( A law firm that works for XXXX XXXX XXXX ), scheduled a foreclosure date for XX/XX/XXXX despite it be against federal law to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation