BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
As of XX/XX/XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on 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 2015-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: FIRST HORIZON BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX my wife and I received a home equity loan on a property located at XXXX XXXX XXXX, XXXX, Ca. XXXX, in the amount of {$80000.00} from XXXX XXXX XXXX XXXX XXXX, sold later to First Tennessee Bank. The property was foreclosed upon 3 years later. My wife and I received several notifications of the impending foreclosure but we could not continue making the monthly payments due to losing my job. We did n't receive notices or any communication from the holders of the home equity line of credit regarding the foreclosure proceeding and we continue making the {$210.00} monthly payments. In XXXX payments increased to over {$800.00}. We had difficulty with the increase, but have made irregular payments and believe the account to be up to date. My understanding is the holder of the home equity line of credit must be notified of the foreclosure and release its interest in the property for a negotiated amount of the sale price prior to the property being sold to another buyer. I need to know if that happened with this property. I contacted First Tennessee Bank to attempt to settle the loan for a cash payment less than the balance but was told the loan was unsecured and for me to submit a full financial disclosure form prior to discussing the situation. My working life is ending soon and I 'd like to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i disputed information on my credit report i sent a letter to experian requesting that the debt on my report from XXXX acct # XXXX be valadated, XXXX acct # XXXX, XXXX acct # XXXX, and XXXX acct # XXXX, according toFCRA the credit breau must provide phyisical proof that these accounts are mine and they have not but refuse to delete these items from my file, I also disputed inquiries on my report that were not mine and they could not verify and thet refuse to do there job under FCRA and delete

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 2022-08-24
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:
I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Applied bank knows that my info was stolen and now does not know who owns my debt and will not take it off my credit report. I was told several times that someone would call me back but no one called. Everyday my credit is not being fixed me and my family suffer with bad credit. Please help they do n't even have my name in there system. But there name is the only one to contact about the debt.

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 2017-03-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is in addition to my initial investigation with Toyota Motor Credit that is still in process.. THIS IS A SECOND COMPLIANT.. MY FIRST COMPLAINT IS STILL IN PROGRESS..On XX/XX/2016 my account was reported 30 day late to the credit bureau. I contacted Toyota and spoke to a number of representatives in the call center and a manager who indicated my payment was made via the automated phone system prior to XX/XX/XXXX date of the following month. However, due to XXXX holiday and the company being closed, the payment was posted after the 30 day mark. I disputed this information indicating not only was my payment made within the correct time period but it was not 30 day late and there had to be a system error. I escalated this issue and was advised that the internal system indicates when the date posted ( not made ) and therefore the reporting was correct. I have never been marked as 30 day late and certain the payment was n't late. I was also advised by representatives in the phone center and also a manger who indicated the date the payment is made is the date that is used when reporting a payment. I continued to dispute the information with the Toyota and they continued to advised they had no error. Since that time my information has been reported to the credit bureau incorrectly and XXXX major credit bureaus ( XXXX and XXXX displayed the information differently ). Hence, there is a error within Toyota 's system. That occurence has been and should be documented on my account as that issue is has not been fully resolved. I 'm requesting the 30 day late reporting be removed, and someone take the time to due the leg work to investigate the issue. Just because your system is reflectingsomething is not a indicator that there is no error. To simply go into a person 's account and see what is reported is not looking into the issue. Check to see when the payment was actually made, when it was reported, why was it reported late, how was it made..etc ... Again, the issues with credit reporting continues to validate there is a error with Toyota 's internal system. The 30 day marker needs to be removed. My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
NOTE- this is separate from my other complaint with the CFPB re: FedLoan, that is currently in progress. 
On XX/XX/XXXX I logged into my FedLoan account to schedule my XX/XX/XXXX payment (due XX/XX/XXXX). My account stated that my account was overdue. Confused (I pay my monthly, income-driven repayment amount of $XXXX each month), I read further. A random amount of $XXXX was applied to my account. This makes no sense- I am in the Public Service Loan Forgiveness Program (PSLF), meaning I pay each month through the income-driven repayment plan, which is determined annually when I submit paperwork. Last year, based on income and family size, my payment was determined to be $XXXX/month, XXXX - XXXX. I have no clue where $XXXX came from, and it was never reflected on my monthly billing statement. I called on XX/XX/XXXX and spoke to XXXX (employee # XXXX). She shared my confusion; she put me on a long hold and tried to determine where this charge came from, but couldn't determine it. She stated it was 'odd' and she hadn't seen a charge be randomly applied. She firmly stated that I pay the correct amount (for XX/XX/XXXX, it is $XXXX, and in XX/XX/XXXX my new income-drive repayment plan based on my recertification paperwork will be $XXXX, effective XX/XX/XXXX - XX/XX/XXXX). She advised me to pay 'what I actually owe based on my income-driven repayment plan' and she would put a note in the system. She also said she would send it to investigations. As of today (XX/XX/XXXX), my account is 18 days past due. I received a notice of my delinquency. I called FedLoan again and they said it was still in investigation, and that bad credit reporting won't occur until 90 days. They again reinforced that I should pay what I 'actually' owe and that the mysterious $XXXX should be resolved in 90 days. I am concerned it won't be- I have very good credit, and have worked hard for that score. I am mindful of all bills and have never paid a bill late, FedLoan and others. I do not want my score to be harmed by this issue with FedLoan. The employees cannot explain how this random charge dropped on my account, but they assured me it will be removed. I, however, have experienced multiple issues with FedLoan, particularly in the past year. I am very concerned. XXXX, the employee I spoke to on XX/XX/XXXX noted that my account appeared 'perfect,' meaning I always submit required paperwork on-time and pay my monthly bill. I am very concerned this account will harm me, despite doing everything right. I fear as I approach the end of 90 days, I will be forced to pay an amount I don't owe, or face a ding in my credit score. This isn't right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I had a fledgling company take money off my Direct Express Card that was not authorized. Direct Express told me I would receive a provisional credit on the 10th business day I am having a hard time getting that credit was an emergency I have no heat in my home. I was told the day I file the credit I would be eligible and I would receive a provisional Credit Now the story is being changed and being told that it is not guaranteed I get hung up on I get very rude service I have contacted the XXXX the FTC the cfpb the Secret Service Agency for fraud the Social Security Administration direct express and Comerica. Please push it along so that Direct Express has to refund this money that is supposed to be fdic-insured thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: LOAN TO LEARN
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I HAVE A PRIVATE STUDENT LOAN AND I AM HAVING A VERY HARD TIME TRYING TO REPAY IT I HAVE NO JOB MY BOY FRIEND ARE AGREEING TO PAY IT BUT HE,S TRYING TO GET THEM TO LET ME STAR PAY IN XX/XX/XXXX THE SGREED AMOUNT  OF XXXX BUT THEY TOLD ME I HAVE TO BE AT A DEPOSITION ON XX/XX/XXXX IN XXXX GA BUT I CAN,T GET THEIR AND I DO NOT HAVE MONEY FOR A LAWYER AT THIS TIME .THEY WANT ME TO COME UP WITH A XXXX DOLLARS THAT I DON,T HAVE TRYING TO GET XXXX  I AM RAISING MY TO GRAND KIDS AND I NEEDS A BALANCE ON MY LOAN I THINK THE BALANCE ARE WRONG AND THEY WILL NOT GIVE ME A BALANC WHEN I KEEP ASKING FOR ONE I PAID A XXXX ON IT BUT THEY WANT GIVE ME MY BALANCE I THINK THE BALANCE ARE WRONG AND WANT TO KNOW CAN IT BE DECREASED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions 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:
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date  opened  XXXX /2014 Details P ayment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

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 2015-06-12
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like to inform you that XXXX XXXX XXXX went to court and filed a civil suit and got an Abstract Judgment behind my back without sending me any affidavit or letters before and after court. I found out about this judgment on my credit report a few days ago and was shock to find out that the XXXX account that XXXX sued me for is paid and closed since XXXX, 2008, almost XXXX years ago. I never receive any notification about court neither in person nor in writing and they do that deliberately by not advising customers about court case so that way they could fool the judge with their scam and win the case when the case when there are no defendants present and that is fraud filing false civil cases against customers who have a {$0.00} balance on their account. I never take out any revolving accounts once they are closed so any revolving charges are fraudulent and done by someone who has access to my personal information. Please investigate XXXX XXXX because I do not believe they are legitimate or their practices are wrong and misrepresentation. They deliberately file cases behind customers back or not notifying customers about court hearing so they can bribe the judge and win without proof of account transferred to them or they bought it but still never send me a judgment after court either. They are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company by the name of XXXX XXXX XXXX/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XX/XX/XXXX and open since XX/XX/XXXX there 21 accounts they are reporting to my credit.

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 2017-08-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The XXXX Navient private student loans held in my name with a co-signer was up for yearly repayment plan review in XXXX of XXXX. The repayment plan generally lowers the interest rate of the loans from 13.9 % ( or thereabouts XXXX to between XXXX % based on income. Since initial enrollment in the repayment plan in XXXX, I had not missed a single payment. In XXXX of XXXX, I was informed by a Navient agent via telephone that my household bills were substantially higher than my income and Navient would not grant me a rate reduction plan, as they had during the XXXX years proceeding the conversation. Based on the commentary Navient 's agent provided, they would also not grant a rate reduction due to the co-signer on the accounts making enough to pay the loans. As of XXXX XXXX, Navient refused to provide a lower, affordable interest rate or enter into a negotiation of a reasonable payment plan. The original loans were each in the amount of $ XXXX for a combined total of $ XXXX. While in school, I was forced into deferment until after graduation due to the high costs of housing vs. low wages and had to maintain specific requirements of occupation to further my education. In the time it took me to finish my XXXX degree, parent, and work strictly to survive, the loan balances doubled. In XXXX, I had requested Navient to retro activate the interest on the accounts to the original loan amount ( that being 3.5 % on $ XXXX XXXX. They refused. The loan balances are now paid down to approximately $ XXXX as of today, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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:
I exercised my rights as a consumer to request validation of a debt/account that is listed on my credit file that is maintained by XXXX, I contended that a bankruptcy that is listed on my credit file was not mine and they responded by saying that they verified it through the U.S Bankruptcy Court in XXXX Md. I contacted the Bankruptcy court who responded by sending me two letters on different dates that state that they do not furnish information to the credit bureaus, with that being furnished to me it is clear that they have not been able to verify this account and it needs to be removed. 
I have sent numerous requests for them to verify/ validate this account and they continue to say that the account is verified but that is not the case the FCRA states that upon my request the credit bureau must provide to me the name, address, telephone number and the person that they spoke to who verified this information and to this day they have not provided me with such information. due to these violations of FCRA 623 ( a ) ( 3 ) and FCRA 611 ( a ) ( 1 ) ( A ) this account should be removed Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Navy Federal Credit Union ( NFCU ) and my ex-spouse colluded to foreclose on my home by changing the loan solely to his name and refusing to give me any information in order to pay the mortgage and keep it from going into foreclosure when my ex stop paying on the mortgage. My ex-husband and NFCU employees colluded to embezzle the house I was awarded in our divorce. This occurred in XX/XX/2011 thus the criminal statute of limitations of six years applies. When I signed the loan documents NFCU promised to work with me if any problems were to arise. They lied to me, knowing that the purpose and long term goal was to embezzle my real property. This is a long running scam using : marriage, identity theft, kickbacks, and bribery and the tactics are similar to those used in the XXXX XXXX. 
At the time of the loan, I had reconciled with my ex-husband as he promised that his attorney would dismiss the divorce because there was no judgment. He lied knowing that his scheme was to embezzle my assets, me retirement, and illegally use my identity and assets for financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was service transferred from XXXX XXXX XXXX to specialized Loan Servicing over a month ago. Since my loan is in the state of my deceased mother they have not spoken to me about the loan even though I have on multiple occasions emailed and faxed over the documentation showing the estate awarded to me and on the Executor of estate. Also XXXX XXXX XXXX should have transferred this information over as well. There is an issue with my escrow account and nobody will talk to me about it even though I keep sending them the proper documentation so they can speak to me. At this point it 's costing me more money from them because there appears to be forced placed insurance in addition to my regular insurance and I ca n't speak to anyone about it to get this rectified.

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