BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On X/XX/17 I called Navient customer support to request cancellation of my automatic payments for the coming payments for my XXXX private student loans due in XXXX. It was acknowledged and understood by both parties that my request would be processed and take effect before the next loan payment due date of X/XX/17. On XXXX I discovered that my request had not been processed when I logged into my bank profile to see payments in the amount of {$180.00} & {$140.00} had been drafted from my account. I called Navient that day, X/XX/17, and I was advised that my request for cancellation had been received but not processed, I was not given a reason for their failure to do so. I was advised that I could receive a refund for the funds, but only if I submitted a letter of request for refunds, including a copy of my bank records. I was also told that when a refund was issued, my account would instantly fall into past-due status and a late fee would be assessed at that time. The only way to avoid that fee was to enroll in forbearance and pay a {$100.00} fee that day to apply for forbearance. I agreed to do so, in order to avoid an unfair late fee. On XXXX I faxed that letter and a copy of the bank records to the fax number provided by the Navient representative to XXXX. On XXXX I called customer support to check the status of the documents and was advised that no documents had been received. On that same day, I submitted the exact same document as the one faxed previously ( letter of request for refund and copy of bank records ) via the online upload tool Navient offers. On XXXX I called customer support to check the status of the documents and was advised that the document uploaded did not contain my banking records and therefore, my request for refund was not processed. After that conversation on X/XX/17, I uploaded another set of documents via the online tool Navient. This time with separate attachments, one showing the letter of request and the other showing bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Shellpoint Partners, LLC
State: MS
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 am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home SHELLPOINT MORTGAGE XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA  XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX was included in Bankruptcy XXXX XXXX XXXX  of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX XXXX  is attached to this email. 


Shellpoint purchased this property from XXXX XXXX  after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of Shellpoint since there are so many lawsuits against them. Shellpoint sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During the months of XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were being disputed. There was erroneous information regarding the three accounts and the company has not addressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also disputed latenesses from XXXX on my XXXX accounts and they have not yet addressed. There were administrative and financial hardship forbearances in place. 

Inquiries due to identity theft have also been reported as such and continue to appear and be reported on my reports. 

Incorrect addresses from XXXX XXXX recently appeared again- this is not and has not been my address. This information needs to be removed. 

Credit agencies have failed to remove this negative information resulting in incorrect information being distributed and or reported.

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 2017-06-23
Company: Stonebridge Lending Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is not about a specific loan but about the advertising that continues to come to my home and my Veteran friends and clients. I am a XXXX XXXX and I have to continually explain to my Veteran Friends what these flyers are advertising. The particular flyer received in the mail advertises 2.75 % FIXED in bold print. Absolutely no where on the page does it tell me what kind of VA loan it is. It certainly makes me think that it is a 30 yr fixed and it nowhere mentions an arm. It also states that I can get " Cash Out for Any Reason '' and that " No Employment Necessary. '' This particular flyer came from : Stonebridge Lending Inc. NMLS # XXXX, CA Bureau of Real Estate # XXXX. I know you have greater things to deal with, but I get this kind of thing in the mail all the time. All of my friends who are Vets get this kind of mail. Is there anything that can be done to hold these companies accountable for deceptive advertising just to get someone to call?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2022 I submitted a complaint against Equifax for reporting incorrect information on my credit report. Their response was that the information I submitted was not what they had on file and needed me to send in verification information. I find it odd and disturbing that Equifax did not/ could not verify this information without my documentation however theyve been reporting this very information for over a year. I sent in the requested documentation along with my demand of permanent removal of collection account that had been previously removed and reinserted incomplete, without and notification nor the opportunity to explain that this didnt belong to me. 
No Reasonable Procedures were enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
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 have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Transunion and XXXX with no successful resolution. XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-06
Company: Credit Karma, LLC
State: TX
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:
I was told I was pre approved for a loan with XXXX XXXX XXXX through Credit Karma on XX/XX/XXXX. I was denied ( have email proof ) and this greatly impacted my credit score as the inquiry remained on my report for a year.

The following is text from the FTC report regarding the current lawsuit of which I am a victim. 

The FTCs proposed complaint alleges that, from XX/XX/XXXX to XX/XX/XXXX, Credit Karma falsely told many consumers that they had been pre-approved for credit offers, leading consumers to apply, incur a hard inquiry on their credit reports, and, if they are denied, potentially damage their credit scores unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-03-09
Company: USCB, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a hospital Bill from XXXX XXXX that was fully covered by my insurance. I never owed the money that they tried to bill me for. The hospital had sent my bill to debt collections. After months of talking to the hospital, debt collectors and my insurance the mistake was fixed. I DO NOT owe the hospital any money my current balance is {$0.00} and has been {$0.00} for over a year. I still get calls about paying this bill and Ive tried to send them proof and contact them. The debt collection company has sent me out of service numbers and incorrect emails to send them proof of {$0.00} balance. I get told theyll look into it and I wont hear anything till they call to collect again. My credit score is ruined and my report says I owe money to them still. Ive filed 3 disputes against them through XXXX but only one dispute went through for a partial amount of the bill. The other two disputes I was told to contact the debt collection company where again I was given an out of service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Rocket Mortgage, LLC
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:
On XX/XX/2022 I visited the rocketmortgage.com website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received a " Notice Of Intent To Intercept Filing '' from a company, Linebarger Goggan Blair & Sampson , LLP ( LGB & S ) claiming that I owed {$300.00} to XXXX XXXX XXXX XXXX for a traffic citation. I have been a recent victim of Identity Theft and believed this letter to be fraudulent. 

In XX/XX/XXXX, I discovered that I had Unclaimed Property with the State of California in the amount of {$330.00}. I filed a claim for the money and received a XX/XX/XXXX notice from the California XXXX XXXX XXXX that {$300.00} of the {$330.00} would be intercepted and sent to LGB & S. 

I discovered through an online investigation of LGB & S, that the company was fined {$3.00} Million for a Class Action suit for fraudulent and unfair business practices in their debt collections and had received hundreds of negative XXXX XXXX XXXX complaints and company reviews. 

On XX/XX/XXXX, at XXXX, I contacted LGB & S and spoke with XXXX XXXX XXXX I told her that I did not owe money for a citation and would provide proof by email. XXXX XXXX informed me that LGB & S would be responsible for refunding the money if I could prove the debt had been paid. 

Today, XX/XX/XXXX, I used the Case Number from the LGB & S letter to search for proof of payment on the XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) and discovered that the citation had been dismissed by the court. 

I contacted XXXX XXXX XXXX XXXX by phone at ( XXXX ) XXXX and provided the citation number # XXXX. The Clerk informed me that the citation, which was FOR {$XXXX} ONLY, had been paid, resolved, and dismissed ten years ago in XXXX. 

I sent an email with proof of the citation dismissal and notified the California XXXX XXXX XXXX about the fraud. I also plan to file complaints about the fraudulent activities of this company to other agencies such as the XXXX XXXX XXXX and news media sources to alert the public about Linebarger Goggin Blair and Sampson, LLP as I have proof that they continue to use unscrupulous and illegal means to prey on individuals with unfair and fraudulent business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: NV
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:
XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and equifax refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Information is missing that should be on the report

Complaint:
Nissan Motors Acceptance Company ( NMAC ) Loan  #  XXXX .   XXXX  I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all  XXXX  credit bureaus, which they have refused to do.   XXXX  They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments.   XXXX  My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.

Company response to consumer: Closed with explanation