BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed inaccurate information about a 30 late payment in XX/XX/2020 with XXXX XXXXl ( Account number # XXXX ) on my Transunion credit report ( Report Number XXXX hard copy ). The results of Transunions investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For Transunion to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 XXXX means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. How could Transunion report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with XXXX XXXX and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like XXXX XXXX who report inaccurate information and are not held accountable for it. They can damage my credit profile with no repercussions. Its not fair at all.

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 2020-06-15
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Conns are very aggressive when they call. My husband have an account and I has an account. We were told they would merge our accounts. They would call ask to speak to husband and he would pay thinking we were paying. We went through financial difficulties due to sick dad. The agent were sharks and would lie to you and purposely set up payments after due date. They would set you up for payments tell you that you will be current and then hit your credit with a negative remark. They charged off my account when we were told they merged our accounts. Now my husband was current and next thing you know they hit his credit for 25 its with negative remarks as they continue to take payments out. I spoke to different agents and they all say the other person didnt do something right but no one corrects the issue. They take money out and then hit your credit. They make you promises and purposely give you wrong due dates and then charge you late fees and put 30/90/120 derogatory marks on your credit. I was just current and now they took out a new payment but reported me late and they help me setup payments. Agent said I apologize she set your payments after your due date. Just games and they hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America ( who gave me a mortgage loan 2.5 years ago ) keeps sending refinance offers with outrageous claims about saving money. 
Their claim : Refinance at a slightly lower rate and save {$4300.00} per year. 
They fail to mention that the extended term on the new loan will increase the total of payments by {$10000.00} under the terms of this advertised refinance offer. It completely fails, in every respect, to make a honest attempt to save me money. In the fine print there 's a statement : " ... you should carefully consider the potential increase in the total number of monthly payments and/or the total interest charges paid over the full term of the new refinance loan - especially for borrowers who currently have loans with terms less than 30 years. '' This is essentially everyone and is an obvious legal maneuver to avoid responsibility for this ridiculous offer.

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 2017-02-12
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I tried to settle this dispute offering a large portion money owed on my private educational loan, but XXXX refused, called me and my fianc all sorts of foul names. I then received notice that my loan had went to judgement and I can no longer negotiate. What can I do, to help my situation XXXX is nasty, and they will not leave me alone. I want to get things squared away so I can get rid of the judgement amend move in with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting debt of XXXX on my Trans Union, XXXX, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.

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 2021-12-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX Balance {$260.00} XXXX  XXXX Balance {$45.00} Inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Divorce is messy, but its even worse if youve got a joint federal student loan consolidation. At the time we received the Federal Joint Consolidation Loan it was marketed to us as an opportunity to lower payments with no counseling on potential risk. My husband became XXXX XXXX and XXXX  and the marriage ended in divorce after he XXXX XXXX XXXX. Despite the XXXX and XXXX  suffered  there is no way to separate a Federal Joint Consolidation Loan. There are few federal repayment plan options. I don't have login access to my account. I don't receive copies of my bills. Original bill was just at $ XXXX ( estimated ). The loan since graduation has grown to include over $ XXXX in interest and fees. My ex-husband is spitefully refusing to assist with payments and I have no recourse available to me. Normally a defaulted loan can be consolidated out of default. Given the fact that this is already a consolidated loan, the only was to get back into repayment is through rehabilitation. Congress and the Department of Education need to fix this issue NOW by allowing re-consolidation to Direct Loans for PSLF qualification and as a default cure. 
There should also be a mechanism for these loans to be split up in the event of a marital split. I've tried combing through and have asked for a detailed explaination as to how on earth the loan has accumulated over $ XXXX in interest and fees but Navient is not adequately able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters to the credit bureaus in response to some incorrect information found on my credit report to which the credit bureaus or the creditor have yet to respond. My initial request was sent in XXXX of 2021! I have since sent XXXX follo ups to which neither the companies or the credit bureau has responded. This is violating my consumer rights. I would appreciate some help with this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have loans from my XXXX school studies at the University of XXXX from XXXX. These loans at the time totaled $ XXXX. Since then I have made arrangements which I was led to believe by Navient would be the best way to deal with repayment. In light of some recent research and discovery, they acted in an unethical and predatory manner by allowing my loans to continue to increase to $ XXXX with capitalized interest and high interest rates that are unfair and unrealistic. I would have made different arrangements in the days after graduating or went in a different direction had I understood how much my debt was increasing every year. I have repeatedly called for assistance and have only received forebearance or smaller payments terms that did not allow me to pay down my debt but rather allowed more and more interest and penalties to be added and now it is a completely unrealistic amount I can never repay especially not in a 10 year term and have enough money to pay for anything else. I am barely making it now as it is with taxes on a full commission check, healthcare costs, childcare, etc. Apparently I am not alone in this view as many others have the same issues. There is also a lawsuit with the same charges against Navient. I am formally filing this complaint to add my name to the list of those that have been treated unethically and unfairly by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I paid off the XXXX XXXX loan, and it says my balance is $XXXX yet on the report it says charged off, and not as paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: EQUIFAX, INC.
State: NJ
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 feel XXXX is stand up for XXXX XXXX even though I got a business credit card for XXXX XXXX XXXX XXXX. This business credit info should be off my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EOS Holdings, Inc.
State: LA
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:
EOS CCA is attempting to collect a debt that they purchased from XXXX XXXX XXXX in 2012. I 've disputed this bill twice through XXXX. I assert this is not my bill. They also do not recognize this as a violation of the state of Louisiana statute of limitations on phone service collection of 3 years. They assert that this falls under the 10 year contract statute. I 've contacted XXXX and they do not have a contract with my signature. I would like EOS CCA to cease and desist and remove this collection attempt from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: Global Credit & Collection Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Been receiving multiple calls per day from XXXX, which leaves a prerecorded message to call regarding a debt. It also gives an option to speak to a representative. I opted to do this to find out what this is about. The operator asked for a relative, who has never lived with us yet our number was the one they had on file. I told them that the person they seek does not live here and asked to be removed from their caller list. The operator said he could not do this without a new number being given. He also said they are not required to stop calling. 

This is simply harassment by proxy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Westlake balance not reporting incorrectly on my XXXX XXXX, XXXX, and XXXX  ; balance XXXX. XX/XX/2020 payment sent to Westlake.Also, monthly interest is not reporting right ; I would like to get these interest calculation fix. Also, need Westlake to remove the loan account from adverse with XXXX XXXX file. This account has not been 90 days late on any debt or having any Title IV debt within the past five years subjected to default determination, bankruptcy, discharge, foreclosure, repossession, tax lien wage garnishment, or write off. I spoke with XXXX XXXX, XXXX, and XXXX, the supervisor on XX/XX/2020, and the account is still reporting inaccurate information on XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi I was member of nationwide biweekly program and they stop making payments of my loan without communicating to me in writing or making a phone call to my cell. I was a member of this program since XX/XX/XXXX to XX/XX/XXXX I had read that there is a suit to this company, I would like to know how to get more info since the nationwide has not telling much about the problem Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2013, I suffered a XXXX attack and went to the emergency room at XXXX XXXX XXXX XXXX in XXXX, SC. I was treated and told to contact a provider who would perform XXXX surgery. I received the attached statement after my treatment and assumed an insurance claim had been sent to XXXX XXXX XXXX XXXX as well. I knew that I would be responsible for payment as my deductible and out of pocket maximum had not been met. However, I did not notice that for some reason, my insurance was never billed for services received at XXXX XXXX XXXX. I was unable to pay the balance until XXXX of that year, due to the fact that my husband was laid off earlier in the year. In the mean time, my bill had been sold to Central Financial Control ( CFC ), a debt Collector. After I sent the balance to XXXX XXXX XXXX XXXX, they, in turn sent it to CFC. 

I did have my XXXX removed in the XXXX of 2013 and claims were sent to my insurance company ( XXXX XXXX XXXX ) but were denied. XXXX stated that my deductible and out of pocket maximum had not been met. It was then I discovered that the initial emergency room visit claim had never been made and BC/BS had no record of the {$1400.00} medical bill I had paid. 

I contacted XXXX XXXX XXXX XXXX after finding out that they had not sent my claim in to BC/BS properly. They refused to talk to me because they had already sent my account to Central Financial Control ( CFC ), their Debt Collector. Every time I called, they transferred me to CFC. CFC refused to send in the claim as they had already been paid. I was told that it was not their responsibility. So, I contacted XXXX myself and sent in all the paperwork. They reviewed the hospital bills and other claims from later medical procedures and determined that XXXX XXXX XXXX XXXX was due {$2400.00}. They sent the check to XXXX who in turn sent it to CFC. The original delinquent amount that CFC was due was only {$1400.00}. They issued a refund check to me for the original amount and kept the extra {$910.00}. This was not their money to keep, so they have literally stolen this money from me which I need to pay off other outstanding medical debt. I still have the original refund check. I have not cashed it because I am afraid doing so will mean the account is settled. I called CFC and asked a representative why I was not paid the entire amount and they said they did n't have to. I spoke with a representative at XXXX and an attorney who said what CFC did was illegal. I told the CFC representative that I was going to hire an attorney and they laughed at me. Most of the representatives I spoke with were rude and XXXX even burped on the phone when I was speaking with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Other

Complaint:
CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation