BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Greetings, I am sending this email in regards to the unfair acts from the credit bureaus ( all three ). I have made several complaints with each bureau, the consumer financial department and FTC. FTC was actually the organization that directed me to put in a complaint here. This is all new to me so please bare with me.

I analyzed and repaired my own credit and was successful enough to get the results I wanted but not fortunate enough to get the score that's earned. I have been working delegently on my credit report for about 3 years now. I understand what was needed to repair my credit and I did so, even if it required me to pay off the debt ; I did what was necessary.

I was very excited about the process and the possible outcome until I realize that my score hasn't moved much since I started ; That's when the disappointment came. Within 3 years, my score would go up and then drop again. I know you probably believe I am a person that has alot of collections, because I apply for credit and never pay the creditors back. Nope! I can't even get a department store credit card, because I am set back by the credit bureaus. I will need cash for everything and how easy is that to come by living in poverty. And even still, I don't make irrational decisions like that. I've noticed in the past 3 years, the credit bureaus will for example : take my score from 617 to 598 then take it back to 617. It will never move beyond those numbers even with good standing accounts.

Something doesn't seems right. I've open up two secured credit accounts with my bank about 8 monthd ago. Accounts are paid on time and when reported to the credit bureaus, they will not raise my score. I've even opened up an additional secured loan to help me and nothing. My score remains the same which is unfair. I have no delinquents or collections and my credit score looks bad.

My report doesn't reflect my score and this is holding me back tremendously. All I am asking is that my case can please be heard and reviewed. I did all I can do on my end to better my credit report and I feel stuck in a limbo. I believe there is an error or some type of bias going on, because I can't seem to understand this process and how consumer 's aren't being treated fairly by the credit bureaus.

This is probably happening to alot of consumers, but noone isn't noticing, so they can't complain. I always observe my report, especially because I'm working on it and I have noticed an unfair pattern that I am very disappointed about. Can someone please assist or point me into the right direction? Thanks in advance. 

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 2021-07-28
Company: EQUIFAX, INC.
State: IL
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:
Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 My hardship began on XX/XX/2021, my home was broken into, my wife and I were in stubbed multiple times. We were XXXX XXXX. I was XXXX  for over a month. I lost my income, so did my wife. We also lost our rental income due to the Covit-19 Pandemic. We were left in a very bad financial situation. It was hard to keep up with all our financial obligations. 
We reached out to Shellpoint Mortgage Servicing for help. We submitted a loan modification application. After six months reviewing the application, I was told that I would get an estimate trial monthly payment of {$2100.00}, with a dawn payment amount {$6500.00}. ( Please see attached email notice, proof of payments. ) On or about the XX/XX/2021, after the 3-month trial payments, we received a permanent modification agreement, with a new monthly payment {$3200.00}. A XXXX dollars higher than our previous monthly payments which were {$2300.00}. 
Shellpoint it is servicer with a very bad record on helping home owners. I am writing this complaint to also help other homeowners that have been harmed by Shellpoint.

Shellpoint failed to provide us with the available options for home owners, who lost rental income with the covid-19 under the New York Law, such as to have the arrears accumulated during our hardship period added to the back of our loan, with no additional interest, late fees, or penalties ; The option to assume our regular monthly payments of {$2300.00}.

We can not afford an increased of {$1000.00} in our mortgage payments. We should not be penalized for such horrible stubbing ordeal that my family had to endured.

BY THE INTERVENTION OF AN INVESTIGATION OF THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. 

Very truly yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: DISCOVER BANK
State: NY
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:
Discover Student Loan < Repay Assistance date Tuesday XX/XX/2021 XXXX XXXX  : As the cosigner for XXXX XXXX student loan you are responsible for making payment on the loan I XXXX XXXX XXXX address XXXX XXXX XXXX XXXX New York XXXX has not or never has signed for a student loan from Discover Bank : As suggested I have called, placed a credit block on my credit and sent them a cease and decease letter I personally have request from discover bank to send me record of my signature how much is owed : I never received any copies of the loan stating the interest rate repayment plan nor have an understanding of when the loan or what type loan was taken out until I received an e-mail claiming I owe them money I am being ask to repay a loan without a loan number : P : s For tax purpose Ein # would be used

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Convergent Resources, Inc.
State: DC
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:
On XXXX/XXXX/XXXX, a phone call was received by the company for debt collection. Since I 've not received notification from any party that a personal balance was past-due, it was ignored. I checked my credit report and this company placed a soft inquiry on the same date and they were contacted by e-mail for assistance ( ID XXXX ). On XXXX, I called twice and someone hung up without saying anything. On XXXX, debt validation was requested ( ID XXXX ) and received by mail on XXXX. They are attempting to collect on a debt from XXXX which was settled after evidence was provided to XXXX and a collections agency at that time ( XXXX or something similar ) as an XXXX buyer committed fraud. According to the letter, the debt was placed with Convergent on XXXX. No written or electronic communication was received by XXXX or any collections agency for more than a decade and there 's nothing I can do about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

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 2020-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no acknowledgments of this account I never owned an account with Huntington bank my information was stolen and I had gotten a block I eve there was a XXXX XXXX  account was open I dont have knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Timothy C. Runyan, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have just received today my XXXX credit reports, there no report of a XXXX credit card listed ever.that is reason for me telling CFPB, i never had a card, thats why I never in 2 yrs got a verification for this debt.if you ask me, i will send copies to you. I have been jilted by this man, i do n't believe you will let this happen to me.i see now I have reason to take it to the courts.they never told me XX/XX/XXXX, of judgement until XX/XX/XXXX.lies!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XXXX I sent an letter into Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. On XX/XX/2021 they removed 1 account & removed another on XX/XX/2021from my consumer report. Today on XX/XX/2021 they have placed both of those accounts back onto my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Have private loan with Navient and feel cheated many times over. Before I decided to return to back to school for my XXXX XXXX, I was paying extra on my loans and directed all additional funds to be placed toward the principle. However, instead of applying it as requested, Navient/XXXX just applied it to my monthly payments. For example, if I paid an additional {$50.00}, they would just take it off my next payment, not the principle as requested. In addition, there is not an option on their website to apply payments to the principle, you have to call them for this request. After calling and voicing my concerns, I was told there was nothing that could be done about it. So my " principle '' payments were going toward the accruing interest which is lining their pockets even further. 
Also, I have requested a plan of payment that could lower my payments, however, Navient instead pushed me into a forbearance in which I have to pay a {$50.00} fee to suspend payments for only 3 months. In the meantime, interest continues to accrue. Every time I contact Navient I receive a different answer depending on who I 'm speaking with. I, as a consumer who pays her debts, am very concerned that now that I 'm in a better financial position to pay off my private loan, my payments will not be properly applied due to previous experience. I feel helpless and taken advantage of. Navient has definitely showed me many times they are n't interested in helping their customers pay off their loans, but instead saddling them with more debt. At the same time, I continue to receive mailers and emails from them in a lame attempt to have me take out another loan from them. I will NEVER do business with Navient again and recommend anyone to stay away from this company!!!! 
I thank the consumers watch groups for their service to call out these crooked companies and hold them accountable. I 'm not looking for a handout, I just want what is fair. Apply all additional funds to the principle. Because of Navient 's deceptive practices, my private loan has swelled from $ XXXX to over $ XXXX and was NEVER in default! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Diversified Consultants, Inc.
State: WA
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:
I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. 

Please make them stop calling and mailing me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Roquemore Holdings LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I was contacted by the XXXX XXXX XXXX XXXX XXXX several times by a person identifying herself as XXXX XXXX, trying to get information. XXXX then called and harrased my XXXX+ year old parents telling them she wanted to help me which upset them because they thought something terrible had happened to me and caused my father to have health issues. Then XXXX called my work putting my job in jeopardy which eventually led to my termination. They also called my apartment complex and put me at risk for eviction and ruining my chances of employment with them as I had recently applied for a job with them. XXXX XXXX XXXX and XXXX XXXX destroyed any chance I had at making a living and then repossessed my car. They didn't give me any information such as where the car was taken or how I could settle the issue and get the car back. This should be regarded as harassment and should also be regarded as deffimation of character. I have also endured pain and suffering due to the loss of income and stress. I was only behind on 2 or 3 month 's of payments. I was then informed that the loan was discharged and settled with an insurance company. I received a letter saying that the loan was discharged and the account was closed. I had paid {$18000.00} for a used {$3000.00} car so I thought the loan was considered paid off and I was waiting for my title to arrive but it never did. When I tried to contact the Credit Union about it they told me it was up to the insurance company now but they couldn't give me any contact information. This type of collection practice and loan activity should be illegal and I expect full compensation for pain and suffering plus loss of income.

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 2021-07-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have requested that the charged off credit card no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.

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 2022-04-13
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:
On XX/XX/2021 I sent XXXX Now a letter stating that the furniture was paid off and that the item should be taken off of my credit report as being potentially negative. Also a medical bill was reported on my Experian report form XXXX XXXX XXXX XXXX Office and the law is that nay medical bills less than XXXX are not to be reported to the Credit Reports. 

Also my husband had XXXX XXXX and a very serious XXXX XXXX which caused him to have to resign. He can not do any tyoe of work, Nor because of his reading ability can do any office work

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 2021-07-28
Company: Experian Information Solutions Inc.
State: PA
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 request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

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 2022-04-13
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am so fed up with Sallie Mae, I have given them chance after chance trying not to seek legal action yet they are still pushing me to do so. Last month I received a billing statement with no notice that my amount was increasing and here we are again and I have received a new statement with an increased amount!!! I think it is absurd that Sallie Mae continues to increase my amount WITHOUT any notice and with them knowing my financial situation, how do they expect people to pay them almost {$500.00} a month plus manage and pay other bills. Sallie Mae has no compassion for its customers and I wish everyone would just stop doing business with them if only they knew the horrible life you will have when its time to pay them back. I have tried multiple times to lower my payments just to be told I dont have any repayment options, it is official I will be seeking legal actions because this is ridiculous and sad, I can barely survive due to other bills and having to pay this huge amount every month with Sallie Mae XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Am asking for help with my mortgage lender to modify our mortgage loan and offer me a trial payment an affordable plan by decreasing the over inflated loan balance which I didn't cause nor had fault doing. Am a veteran, XXXX war and this is a VA loan too, before pandemic it was with XXXX  now its Carrington and they are terrible and rude and telling us we dont qualify for anything but liquidation and denied again for the 4th times ( see attached denial dates XX/XX/2022 stating we didnt make enough money when we actually do qualify but denied me again saying lender has no options and they are not obligated to offer us modification they keep contradicting their statements they even filed notice of trustee sale XXXX this year while we was in modification process and had a sale date on our home for XX/XX/XXXX at first then they now change it to XX/XX/2022. They denied me all the time regardless of what I given them which is everything they needed on time they want me to call them to tell them if we agree to liquidate our home, the only option they offered me all of them times ( see attached ) They said all options are denied no option what's so ever. The servicer is Carrington mortgage, and the beneficiary is XXXX XXXX XXXX XXXX XXXX XXXX foreign entity by XXXX XXXX which I dont understand how is the VA allowing them to be the deed holder? We want to keep our home we want to stay in it so please help me and my family

Company response to consumer: Closed with explanation