BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing in regards to my recent experience with Navient and the lack of help I have received. At the beginning of the year, my husband lost his job. We have a young daughter and another on the way and since we lost a large amount of income, we started to have trouble paying our bills. My student loans were getting further behind because I was unable to pay the high payments so I reached out to Navient for help in lowering the payments so I could possibly make small payments on them until my husband found another job. I was basically told by the customer service person I spoke with that losing a job does not qualify me for help. I was astounded. How can losing a large portion of income not qualify me for help? What does if that does not? If I do n't have money to pay the bill, they wo n't get paid. In the weeks following, I got MULTIPLE emails and phone calls fro m Navient saying,  please contact us, we can help if you are unable to pay your bills. So again, I reached out. The customer service person I spoke with the second time was very understanding, very informative and very nice. She offered an option to help drop the payment a little bit. Well today, alm ost two weeks later and after the first automatic payment was withdrawn, I get an letter from Navient stating I am not eligible because I can repay the loans. I am still trying to figure out how my monthly mortgage, power bill and student loans, not considering ANY other bills are more than I make a month mean I can afford to make payments? That would mean my daughter, my husband and I would all starve because we can not buy groceries or I would not have a place to live because my house would be foreclosed on. Or Maybe I should stop making a payment on the car that gets me back and forth to work so then I lose my job and have no income. I am really not sure which one I should choose. The most frustrating part of the entire process is that I get phone calls and emails daily asking me to reach out to Navient because they can help! I have reached out TWICE and received NO help. None. To make m atters worse, I have been trying to change my name for a year on my loans to my married name. I have uploaded documents, mailed them, everything. My name is still not changed. This means that I am unable to login to the website to at least try to get my federal student loans lowered. I have been harassed about contacting them for help, when clearly all they really want me to do is sign up for automatic payments under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 put in a dispute with this company to notify them that they did not comply with federal law and I also notified them that I would be submitting a complaint to the CFPB, FTC, and attorney general in their state to my understanding this company had 15 day to respond to my CFPB complaint and this company has still failed to respond. This matter is not fair and It is causing me to be denied credit. Portfolio Recovery is liable for any actual damages under 15 U.S. Code 1692k - Civil liability ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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: Their investigation did not fix an error on your report

Complaint:
Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. Equifax and XXXX claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? Equifax and XXXX, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I receiv ed 2 letters from Bank of America notifying and informing me that several claims I made with Bank of America in regards to my checking and money market savings account being used fraudulently and unauthorized and having unauthorized and fraudulent transactions and charges on my checking account,  were authorized by me and posted correctly to the account. The unauthorized and fraudulent transactions were not authorized by me. An identity thief used my personal information and my previous and current address to commit unauthorized and fraudulent transactions on my checking and savings account. I made a police report in regards to identity theft and my checking and savings account having fraudulent and unauthorized transactions that was not authorized by me. The fraudulent and unauthorized charges and transactions do n't belong to me.

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 monetary relief
Consumer complaint received 2017-05-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar  continues to state they have made  no mistake on their servicing, while they continue to state I am one month delinquent, while in reality I am two m onths ahead since signing the modification. I have made all the payments according to the modification, but Nationstar and   XXXX    XXXX   XXXX  have not serviced the loan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Filed and XXXX this debt to XXXX XXXX XXXX in bankruptcy in XXXX XXXX, they continue to report my account late and send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: LendingUSA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I financed XXXX XXXX XXXX XXXX with XXXX XXXX XXXX spa on XXXX. They closed their company permanently without notifying me. I am still having to pay the finance company and have not received the services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I made a transfer from my Coinbase account to my XXXX account of XXXX. XXXX the next day confirmed the transfer but would return it to Coinbase for reasons of alteration of XXXX XXXX. They sent me proof of return but Coinbase never credited me with the money again and also does not give answers to the emails I send for customer service. It's been 3 weeks and I don't have resolution of the problem and Coinbase doesn't respond. 
Case # XXXX On my Coinbase account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dea r Staff, I am in  receipt of threatening letters fr om Ditech Company s tating that I am in   XXXX   days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the  XXXX  of the month via  XXXX   XXXX   XXXX   XXXX   XXXX     Their confirmation transmissions via email indicate amounts I did not submit.   The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in  XXXX . The original loan was a federal mortgage secured through FHA in  XXXX . Somehow, in  XXXX  of  XXXX , Ditech ended up with my mortgage aft er    XXXX   XXXX  .   In the   XXXX   of  XXXX ,  Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in  XXXX  ( e.g.  XXXX   XXXX   ) o f this year.   First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e.  XXXX  conversations with customer service revealed the company is splitting the payments and  not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an  XXXX  payment was not made, even though the payment was submitted in full on  XXXX   XXXX .   No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense.   Ditech should lose its privilege to do business in Michigan.   Thank you for your service.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently noticed incorrect and false information on my credit report. please see attached Ftc report that was filled to remove false wrong information from my credit report as I have also been compromised due to the Equifax data breach. pLEASE remove the public record accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX/CONTFIN this company is trying to collect a debt of {$790.00} that do not belongs to me since 2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: LA
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/XXXX the following accounts were Deleted off my credit report from XXXX  Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX, 2017, at XXXX XXXX Pacific Time, I called customer service to ask about disappearing charges. Customer service would not transfer to a supervisor, said I was wrong, interrupted me, and put me on hold.

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 2021-12-11
Company: Consumer Portfolio Services, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Consumer Portfolio Services IncXXXX XXXX XXXX XXXX XXXX CA XXXX They are only accepting one method of payment from me. I just received this car back after they repossessed it at the end of XXXX. I finally got it back after fighting for a VALID method to pay them in order to get the car back only to be told after receiving the car back that I'm past due for XXXX. I JUST received a bill in the mail that says it was due XXXX XXXX ON XX/XX/XXXX. Their website and automated phone system will only accept a payment method of a debit card. The other options consistently do not work. 

And as for the balance. I've had this loan for OVER A YEAR and somehow I've accumulated a balance and have only paid {$200.00} towards the principle or so the payment history explains YET MY BALANCE TODAY IS HIGHER THAN WHEN I PURCHASED THE VEHICLE OVER A YEAR AGO. 

THIS HAS TO BE A SCAM. I NEED TO MAKE A PAYMENT BUT THEY ARE MAKING IT EXTREMELY DIFFICULT. THEYVE ALREADY BEEN TOLD TO STOP CALLING MULTIPLE TIMES A DAY, NEARLY EVERY DAY OF THE WEEK BEFORE THEY REPOSSESSED THE CAR AND NOW THEY ARE MAKING IT DIFFICULT FOR ME TO PAY THEM AT ALL AND I AM NOW PAST DUE AGAIN 2 MONTHS. 

THIS COMPANY IS BY FAR UNFAIR TO THE CONSUMER AND IS MAKING THIS A WHOLE EXPERIENCE A LIVING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-12-11
Company: JPMORGAN CHASE & CO.
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:
I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 had a collection account appear on my credit from XXXX XXXX. The account was removed because I never applied for the card nor have I ever made payments to XXXX XXXX in this regard. I now have a collection account on my credit fore XXXX XXXX from Midland Credit Management. This company has never contacted me they just placed the unknown account on my credit. I have tried to reach them by phone and I have not been successful. I also contacted the XXXX and they said the company is no longer in business but they just added this bogus account to my file and I was in the middle of financing. I am a XXXX Vet and I am trying to obtain a home loan.

Company response to consumer: Closed with explanation