BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When speaking with the employees of Navient, I am never given a specific name of the person that I speak with, so I am unable to convey that. I have called Navient multiple times to inform them about the fact that I am unable to make payments, as they are too high. I have received different information from all employees that I have spoken with, I have asked for them to help me, and I have been told that my cosigners need to submit a financial statement. I was told the last time that I spoke with Navient that one of my cosigners did not need to submi t one. Th en I was told the next time that I spoke with them that it was required. I am being told false, inconsistent information, and I need assistance with lowering my payments. Navient is also calling me multiple times a day while I am working, requiring payment when I have communicated that I need assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: AR
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:
This is my complaint for you to inform that as I open my credit report, I had found out that there are some inaccurate information that are needs to be corrected as soon as possible. For this reason, I want you to conduct an investigation regarding this issue. Please adhere to the law. Correct these accounts on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over two months, we have submitted repeated requests to SLS to remove the PMI from our property due to : ( a ) significant and substantial renovations of our property ; and ( b ) the imminent opening of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX station which will be just three blocks from this home and connect directly to XXXX  DC and XXXX XXXX XXXX. They asked us to submit a form authorizing an internal valuation which we promptly faxed to them, and they acknowledged receipt of on XX/XX/XXXX. We followed up again and received written confirmation on XX/XX/XXXX that an appraisal had been ordered and would be completed within 15 business days. However, they keep ghosting us or providing inconsistent timelines or information. It appears as if they are not adhering to their obligations under Federal regulations to reassess the necessity of PMI when a property has had significant renovations. These renovations have included new flooring, new appliances ( dishwasher, range, refrigerator, microwave, washer, and dryer ), a new water heater, new light fixtures, dimmable WiFi switches throughout the home, new vents, new ceiling fans, among other substantial improvements.

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 2017-04-26
Company: State Collection Service, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX   2017, I received a debt collection letter from State Collection Service , Inc., for {$8.00}. I immediately called the debt co llector and asked what this amount was for. Customer rep said if I owned a  XXXX   XXXX . I said no. She then said Okay, sorry to bother you.     In  XXXX     2017, I rece ived another debt collection letter from the same company but this time saying I owe {$93.00}. I immediately sent them a Debt dispute letter requesting they provide proof it is my debt by sending me signed contract agreement, detailed and explanation of how they came about this amount.     On  XXXX   XXXX  , 2017, the y respnded to my letter and failed to provide me the information I requested to validate the debt. It still does not show how they came about this amount and any signed contract that I agreed to pay this amount. And now they are claiming I owe {$110.00}.     This company is fraudulently trying to collect money from me. They keep changing the debt amount and failed to provide proof it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On  XXXX   XXXX  I went to the website of my student loan company  (   XXXX   ) o nly to find it no longer existed. When I tried to call I could n't get through. Four days later with no news, I Googled  XXXX  Student loans and found a blog which stated that they were no longer handling student loans. After more research I found the company that has taken over my loan - Firstmark Services. I contacted them immediately through the website after creating an account with all of my information. I emailed to ask for 4 months forbearance. Instead of granting it, they began calling me repeatedly  ( 3  times before noon ). I called back, explained my situation and asked the calls to stop. They agreed to put them on hold. Two hours later I received another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX    XXXX  , I had a {$.00} credit on my Victoria Secret bill.   On  XXXX , I made a {$8.00} purchase, I therefore believed my balance to be {$8.00}.   On  XXXX , I paid {$8.00} because that was the balance on my account when I had called.   I did not remember that a {$.00} charge for Assure insurance was being billed to me on  XXXX . So when I paid my bill on  XXXX , I was {$.00} short.   The next bill arrived and I was charged a {$8.00} late fee for failing to pay {$.00}.   I called to complain that I was not late with payment because payment was not due until  XXXX . I did make a payment before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Factor Trust
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was stolen including SSN, Drivers License, address. Starting XXXX XX/XX/2022. 
I immediately locked credit with the three credit agencies ( XXXX, XXXX and XXXX ). But after receiving notices from XXXX XXXX  that an account with was opened in my name was opened and had {$800.00} overdraft I found that FactorTrust is yet another credit reporting agency that was used to open ( or attempt to open ) fraudulent accounts in my name. I tried to lock my account with FactorTrust but the identification questions they asked were nonsense. Such as 'What city does XXXX XXXX live? ) My last name is XXXX, but I know of no XXXX XXXX. Other questions were just as impossible to answer. I called the customer service number and was informed that indeed, even though FactorTrust is affiliated with XXXX, that I must request a Freeze and Alert through FactorTrust even though I had already placed both with XXXX. I was also told they could not assist me with this on the phone. I would need to send a request through the mail. When dealing with fraudulent activity that is opening bank accounts and incurring large overdrafts, waiting a couple weeks for the mail to go both ways is unacceptable. 
If FactorTrust is affiliated with XXXX, then Freezing and adding Credit Alerts on XXXX should also Freeze and set Alerts on FactorTrust. Also FactorTrustr needs to review the computer algorithm that generates the security questions to make sue they are something that a typical consumer can answer. They should also be able to deal with the issue through the phone system. Mail is not an adequate channel. More immediate response is required when identity fraud is occurring. Someone is opening accounts and charging money. 
If FactorTrust is a valid credit reporting agency, then it needs to be included in the list of agencies that right now stands as XXXX, XXXX, and XXXX. These are the agencies that are suggested to lock down in case of credit fraud FactorTrust is not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: ALLY FINANCIAL INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
As a result of the repossession of my XXXX XXXX XXXX the first week of XXXX, I no longer have title to my car. I fulfilled all demands of Ally Financial, INC and recovered my car by XXXX XXXX XXXX 
Last Saturday, when I attempted to sell my XXXX XXXX at XXXX, I was informed it would be impossible to complete the transaction as my title was invalid. Ally had modified the title, making, Ally Financial, the owner in XXXX, Michigan. 
When I called Ally on XX/XX/XXXX about getting that the title corrected, I was informed it would take 3 to 4 weeks for them to send me the documents necessary to correct your mistake ( and these documents could not be emailed or faxed ). 
In the meantime, I can not sell the car. 
Strange that Ally was able the change on XX/XX/XXXX, one day after I paid the amount past due ( XXXX XXXX XXXX ) and met all the demands of Ally regarding the repo. 
Evidently, Ally 's departments do not communicate or check to see if such actions are accurate, prudent or appropriate, let alone ethical or legal, I was never informed of the change of ownership on this title. 
Also, there were personal items removed from the vehicle and I have sent numerous emails about this to XXXX over the past month with no response. 
I do not understand 1 ) how someone can make changes to a motor vehicle without due process of the law, and 2 ) when they do modify the title ( after the loan/lien has been reinstated ), they are unable/unwilling to correct their error in a timely/expeditious manner. 
Thank you for any assistance you may provide.

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 2022-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citizens Bank solicited me to apply for a credit card with zero percent interest in balance transfers for a specified time. 
I applied and indicated the dollar amount as to how much of a balance transfer I wanted and indicated the credit card company and account number as to where the balance would be transferred. 

Eventually Citizens Bank contacted me and transferred money to my existing credit card for the balance transfer. The problem is that they didnt give me a large credit line which is their prerogative but without my permission they transferred most of the dollar amount of the credit line to my existing credit card company. This means they maxed out my credit card. A maxed out credit card reduces ones XXXX score a lot. 

I called Citizens Bank and asked them to increase my credit line enough to increase my XXXX score which they wouldnt do. I then asked them to reverse some of the money they transferred to my existing credit card which they refused to do also. 

The upshot is my XXXX score is reduced through no fault of my own. Citizens Bank should have never maxed out the credit card they issued to me without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCB Management is a very unethical company they have purchased debt from XXXX XXXX claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " XXXX transaction history '' as if the file sent was from XXXX when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. Ncb claims I owe XXXX and XXXX said I owed XXXX ncb management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the XXXX needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're XXXX  them to collect dollars when you bought the debt for pennies. Its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: DE
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 Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX 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 ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX 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 XXXX credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2023-06-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX XXXX XXXX  Account # XXXX balance {$140.00} Account name : XXXX XXXX Account # XXXX, balance {$990.00} Account name : XXXX XXXX  Account # XXXX, status Account closed 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 15 U.S.C 1681s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
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 XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX 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 ''. ONLY XXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX 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 XXXX 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 XXXX credit bureaus and ( XXXX 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 2017-04-26
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan w ith Big Picture Lo ans on  XXXX   XXXX . I was approved for {$1100.00}. I instantly received the funds the next day along with an approval email. It was only then I was given the terms of the agreement. I had NO idea what I was getting into. The loan had a 732.3534 % interest rate with a total payoff of {$8900.00}. I was paying {$280.00} bi weekly. I have already paid what I originally borrowed. I am having financial difficulties and emailed them a memo on  XXXX   XXXX ,    2017, r equesting they stop the ACH payments. I explained my situation  ( un employment ) and asked them if they would stop finance charges and settle with me, in hopes to avoid bankruptcy. They agreed to do so, however, they requested I make biweekly payments of {$220.00}. They insist I still owe them {$1400.00}. They claim I have not paid one penny towards my principal borrowed amount. I have contacted the Indian a State Department of Financial  Institutions and was told that Big Picture Loans is n't even licensed in Indiana, which would make this an illegal loan at illegal rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCORDING TO THE BANKRUPTCY COURT THEY ARE NOT REPORTING ANY BANKRUPTCIES AND THEY DON'T HANDLE IT BUT WHY ARE YOU REPORTING THIS BANKRUPTCY ON 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 non-monetary relief
Consumer complaint received 2020-08-18
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation