BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have dealt with Navient ( and XXXX XXXX ) since I got out of School and have had nothing but problems with them. They range across the board for a number of things : - Inability to work with me on trying to lower my payments. - Placing my loans in forbearance instead of accepting lowered payment options that I could afford just keep charging me interest. - Hanging up on me when I tried to discuss my repayment or interest lowering options. - Refusing outright to remove my parents from my loan as co-signers even though I 've never had them make a payment on my behalf. <P/>This group of humans have made life for my family rather difficult over the past 10+ years since I 've had to pay my loans. I have gone through times of economic hardship solely because of the extremely high repayment of these loans. As an XXXX Veteran, I simply wanted to do better for my family after leaving the service and Navient is making that XXXX near impossible. I struggle week to week with paying everything because I have to pay them so much. I do n't want to call them because of what I 've stated above to I do some fancy footwork to make it all come together. But, in the end it exhausts you to no end when you ca n't even take your wife to a movie because you have to account for every penny so you can make sure you do n't get hit with a late fee from these jackalsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
On XX/XX/XXXX9 I disputed an account in my credit report with XXXX   XXXX  with a factual error from my credit report came back verified . The reason of my complaint is to challenge this outcome under the section 611 of FCRA I demand the method of verification or deletion of this account .

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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XXXX and XXXX I sent a certified letter to XXXX advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

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 explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my Experian credit report. Both  XXXX     XXXX    and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact Experian and that Experian would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.

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 2019-12-12
Company: LendingUSA
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/2019 I received an email stating Refund ID : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Refunded Amount : {$5000.00}. 
I have begun refinancing my home and the underwriters are requiring a Paid in Full letter ( PIFL ) from Lending USA. I began contacting Lending USA on XX/XX/XXXX. At that time I requested a PIFL to be mailed to my PO BOX . When I called to check I was told their system can not load PO Box addresses, I have requested the letter mailed to the Post office street address on XXXX XXXX. Which It never arrived, I have requested the Paid in full letter to be emailed. I have waited substantial amounts of time for each request to arrive. I have received conflicting information from different representatives such as the letter can not be generated and I am to file a complaint with the credit bureau as this should never appeared on a credit report. ( this was never a concern, but to provide information for the refinance only ). I was told to allow 24-48 hours on XX/XX/XXXX for a supervisor to return a call. Today is XX/XX/2019, 5 weeks from my original request and I have not received a PIFL nor a call ; it has been beyond 48 hours. My refinance is held up for this Paid in Full letter and poor business practices from Lending USA. I  understand that Lending USA loans are made by XXXX XXXX  in NJ. This is not any way to treat any consumer. Plus I had  made it very clear I am a XXXX  XXXX Veteran, and reiterated the timely need for this letter. I have provided plenty of time to meet my obligations to my mortgage company, but Lending USA has not been able to take care of their end and is the sole reason for my inability to refinance, they have also created substantial emotional distress which has cost me days off from work and lost pay. I am beyond a dis-satisfied customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
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:
I write to complain about the debt collection conduct of Citibank, XXXX XXXX, and XXXX XXXX XXXX. I owe about {$30000.00} on a private student loan I took out with Citibank to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX position when I injured my XXXX. The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called Citibank well before XX/XX/XXXX and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. Citibank told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. Citibank began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX problem and how it stopped me from working and that I had used up my savings. Citibank then transferred the case to a new servicer, XXXX. XXXX began calling on XX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.

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 2017-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  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 2019-12-12
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased two money orders from Western Union to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted Western Union and they traced the money orders. Both money orders, one for $XXXX and one for $XXXX had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. Western Union paid me back for the $XXXX, but said the bank that had cashed the check, XXXX XXXX, never responded to their request to refund the money.  I filed a complaint with you and XXXX XXXX responded and provided proof that they had sent a check to Western Union for $XXXX.  I have contacted Western Union and asked them to pay me the $XXXX, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Opportunity Financial, 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: Account information incorrect

Complaint:
I have been trying to pay Opploans and they are unresponsive to emails. They have reported to XXXX, XXXX, XXXX  that my account is charged off. They have also reported the account multiple times on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Resurgent Capital Services L.P.
State: GA
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
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: Old information reappears or never goes away

Complaint:
I have been trying to get this financial institution to remove this bankruptcy listing on my particular credit report since XX/XX/XXXX and they refuse to do so. My bankruptcy was discharged in XX/XX/XXXX. My bankruptcy began in XX/XX/XXXX. All of my bankruptcy records have been dropped from all 3 of the reporting bureaus with the exception of this one record from this one bank and they are only reporting it to this one credit bureau. This is preventing me from refinancing my mortgage and getting rid of my current interest rate of over 7 %. Since this particular credit bureau has allowed all of the other previously listed bankruptcy creditors to be removed from my credit report, why is this bank being allowed to have this one negative record to stay continually listed in my credit report? This credit bureau is refusing to remove this record and I have written to them multiple times and have gotten the same response. They tell me that the record is accurate. I am not disputing the accuracy of the record. I am disputing the fairness and the logic of their actions. It is not logical that all of the other bankruptcy records from all 3 bureaus have been removed and that just this one remains. The bankruptcy was discharged through the courts, therefore the debt to this creditor has been satisfied and no further monies are due. Title to the vehicle was issued to me by this bank and I do not even own the vehicle any longer. In fact, the vehicle has been scrapped.

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion is not giving me any infromation on how the have validated this account I have disputed and asked for them to furnish me the information, due to me persoanl not being able to contact this company. So I need to know how are they contacting the company if I can not.

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 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Okay so the included documents for this dumpster fire should mostly speak for themselves, so I will just briefly outline what they contain and the broad strokes of this complaint. 

In XX/XX/2020, I had a Capital One XXXX Credit Card with a {$500.00} limit in good standing. 

I also had and still have a Capital One XXXX Checking Account. 

At the time I had been receiving pandemic unemployment checks from the California XXXX still. 

From time to time I would choose to deposit those checks into my Capital One XXXX Checking Account. 

I deposited a sizable amount of money by my modest standards on XX/XX/2020 or so. Just under {$2000.00} I think, all government checks which cleared in the normal amount of time those take to do that. 

In an act of good faith, I chose to use a great deal of my limited unemployment money to pay off the credit balance with Capital One, in full and considerably ahead of schedule. 

The Amount of this debt payment was between XXXX and XXXX XXXX dollars. Note that at this time my account balance WITH CAPITAL ONE XXXX was over XXXX XXXX dollars. 

That payment was made shortly after depositing the funds from the XXXX through mobile check deposit. 

It was visible in my account though when I chose to allocate some of it for payment to clear my platinum card of its current balance. 

Basically, despite the payment being with government guaranteed funds from the state of California, already deposited to the checking account with the SAME INSTITUTION AS THE CREDIT CARD ISSUER RECEIVING PAYMENT / CAPITAL ONE!!!?? 

Yet still.. well see attachments THEY closed down myXX/XX/XXXXcapital one card because THEIR OWN BANK FAILED TO ACKNOWLEDGE MY FUNDS ON DEPOSIT!! XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX 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 In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini Trust Company LLC. I registered an account with them to trade crypto currency. I deposited money bought XXXX. When I wanted to withdraw XXXX they deactivated my account and Support not responding to email. Upon opening I was asked to verify which I did and I got a notification that I have now been verified. Next is to start trading. So I went ahead and bought some XX/XX/XXXXIt was successful and it said I have to wait for 24hrs to withdraw. After 24hrs I tried to that was when it said XXXX app is less than 72hrs old. I waited for 72hrs. Then I tried to withdraw. Then I kept getting error that Im restricted I emailed support. I got an auto reply that I should upload a picture for verification. Which i did, no respond from any member on the team. I kept emailing for 4 days. No reply. I opened another ticket. They sent me the same annoying message that I should upload a pic of my id and a paper with some instructions. I did that too. No respond. I emailed support again. No respond and my money is still stuck in the account that is frozen yet, they wont review the Picture I was told to Upload neither will they verify and take restrictions off of my account so I can start trading or take away my

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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:
I write to complain about the debt collection conduct of XXXX, XXXX XXXX, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX XXXX when I XX/XX/XXXX XXXX XXXX The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called XXXX well before XX/XX/XXXXand advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. XXXX began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX XXXX and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX. XXXX began calling onXX/XX/XXXXXX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: NC
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation