BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
State: TX
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:
My name is XXXX and I got a student loan from Navient back in XX/XX/XXXX. I was an immigrant from XXXX and wanted to get a 2 year degree from the XXXX XXXX in Arizona, so I can find a job to support my family. When times got financially hard, I found it difficult to pay my loan and Navient was not very helpful or supportive. In XX/XX/XXXXwe moved to XXXX, Texas because my employer filed for chapter XXXX and my family and I got transferred. This move was a serious life event and the first couple years I struggled to pay my bills, including my Navient loan. When I called Navient, the agents did not seem to care about my situation and the interest just kept going up and made it impossible for me to catch up. Navient has been also calling my wife and leaving automated VM on her cell, reminding that " Payment is due ''. This is my loan, not my wife 's! Navient should stop harassing family members! I 've been trying to pay this loan for almost 20 years and the amount of this loan is the same as it was when I just got it in XX/XX/XXXX ( {$6800.00} )! Navient 's failure to support me ( or other costumers ), results in delinquencies and it makes it hard for former students to pay the outstanding balance off ( my wife also has a student loan, and she is about to finish paying, because her company worked with her and helped come up with solutions, when we just moved to XXXX ). The interest Navient is charging its clients is very high, not reasonable nor realistic. Not only that I gave up paying off my loan, but it also ruined my credit history. I made several attempts to negotiate with Navient ( after my move to Texas ),  despite all of my requests, provided proofs, phone calls etc., they sent my account to collection. We are not able to get any loan or mortgage because they ruined our credit history! This company is fraud and a big disappointment! We would be very thankful if you can help us clarify our situation and look forward to hearing back. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681XXXX ( A ) XXXX XXXX XXXX  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 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 2017-06-22
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical treatment received from an automobile accident. The 3rd party and XXXX accepted responsibility. The insurance company states this has been paid. After sending documentation numerous times and discussed on the phone, the debt collection agency continues to call, send mail and reports to the credit bureaus. I have had to send documentation to the credit bureaus to have this removed, sent documents to the medical facility, insurance company and debt collector with continued harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX  sent an account to collection for {$91.00} stating that it belongs to me. I did not get any written notice or phone call about this debt. I have no knowledge of any past due owed to  XXXX . I should have been notified if anything but instead they sent this account to collection. I tried many times contacting this collection agency to validate this debt but I get nowhere. I have called and written letters. All I see is an account  XXXX  on my credit that has impacted m y credit score. I 'm more  then happy to clear this account up even if it 's not mine just to get this account removed. I just feel like I should have been contacted either via phone or mail about a past due / collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: VW Credit
State: CT
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:
On XX/XX/2022, I sent a certified letter to VW Credit which was received on XX/XX/2022. I asked them to show documented proof that the repossession account listed on my credit reports belongs to me. It has been over 30 days and I have not heard from VW Credit at all. This is unacceptable! To ignore a consumers dispute and not respond at all is a direct violation of the Fair Credit Reporting Act 1681 that unequivocally states within 30 days the reporting agency shall investigate or delete the item ( see attached law ). Since VW Credit ignored my dispute and violated the Fair Credit Reporting Act, and violated my right as a consumer, I want this derogatory repossession account immediately deleted from my credit reports ( XXXX, XXXX, and XXXX ) as stated in the FCRA XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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:
I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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:
I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.

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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Lost and stolen card used to make unauthorized transaction on my Capital One Credit Card Account : XXXX Amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Banana Republic issued new credit cards. When the new card arrived, I went online to activate the card. My online account was automatically updated with the new Card information. However, my automatic payment information was not transferred to the new Card. As a result, automatic payments were not made for two billing cycles. I was charged {$80.00} in late fees and interest for two months due to lack of payment. 

I called on XXXX/XXXX/22, they stated they would credit my account for the fees given their error in conversion. However, the credit would not appear until the next billing cycle. I would continue to accrue interest on the {$80.00} fees if I did not pay the fees. I should not be required to pay for invalid fees and then receive a credit a month later, the fees credit should be processed 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 monetary relief
Consumer complaint received 2022-09-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
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:
In XX/XX/XXXX I was given a forbearance that was to take effect for 14 months. On month XXXX ( XX/XX/XXXX ) my forbearance was extended through XXXX and the home was sold in XXXX, however my credit report shows 180 days late for the month of XXXX and Foreclosure for the month of XXXX. Carrington Mortgage sent " adjusters '' to my home on multiple occasions in which they stood outside my home taking photos, even though the home was in forbearance and sold only 1 month after the forbearance was compete. Carrington was made aware of the sale of the home as I myself and the title company contacted them for pay off quotes.My current credit report status reads " 180 day or more than 4 months late '' rather than Paid in Full- {$0.00} balance. I believe the reporting is inaccurate because if I was in a forbearance through XXXX and sold the house in XXXX the reporting should have no lates for the month of XXXX or XXXX, furthermore I have sent several requests to Carrington requesting this information be updated correctly to no avail. I am currently without a home ( we sold the home in question ) and unable to purchase or even rent another due to the status reporting for the previous loan. I am a family of 4 and a dog and feel this is unfair and as a result I am distressed and misplaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX an XXXX company, XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Weinberg Mediation Group LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Beginning on XXXX XXXX, I started receiving robocalls from the debt collection company. I received at least XXXX calls on different days. The machines left messages on my line with the following text : [ we are calling from Weinberg Mediation Group ] and are trying to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ different voice from the rest of the message ]. We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter. We have decided to reach out to you one last time to give you the opportunity to be compliant and give your statement of intent to our office. Please be advised that if we do not hear back from you today I will no longer be able to assist you in a voluntary resolution. Contact the office immediately at XXXX. Good day! ( Note : The first part of the quote above is in brackets because the messages were cut off from the beginning of the voice mail and may not be an exact quote. In fact, I had to put in considerable effort to learn the name of the company because it was cut off in the voice mail. ) I received nothing in writing from the company and had no reason to believe they had a valid reason to call me. Because of that I decided to file a complaint with the Better Business Bureau XXXX XXXX New York instead of calling the phone number in the messages. The company 's response to that complaint confirmed that they were calling about a debt owed by another person with the same name as mine. I pointed that out in a reply, but the company ignored it. The company did consent not to call me again, but admitted no wrongdoing and maintained that the debt was mine. The company also submitted to the BBB a copy of a dunning notice they had sent to a different address. That was the only way I obtained a copy of the notice, which is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: FL
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 XXXX  Accounts XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681XXXX ( A ) ( XXXX ) 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 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 2021-05-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. On XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Professional Bureau of C, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. 

Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and n collection. 

Professional Bureau of C, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2017-06-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began paying back my federal student loans with the USDE in XX/XX/XXXX with a Standard repayment plan. I began working for the XXXX XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I believed based on the requirements of the Public Loan Forgiveness Program that I was eligible for this program. I was always on time and had not missed a payment and would have 10 years of XXXX XXXX by XX/XX/XXXX and had been told my repayment was Standard on all of my loan documents and website. I applied to get certified for the loan forgiveness in XX/XX/XXXX but XXXX  XXXX, who took over for USDE, told me that my repayment plan was not eligible because it was a " Standard Extended '' plan and not just a Standard plan even though there was no mention of a different payment plan than just " Standard '' on all of my loan information provided by USDE and XXXX. So, without having this information I went years believing that I had everything in order to get this forgiveness to find out that I did not. Also, I was paying a high interest rate the entire time thinking it would be worth it in the end. Instead it ended up costing me a lot of extra money in interest that I could have avoided have I been given the correct information by the loan servicer. Since they denied the certification of my student loan payments I immediately refinanced the debt in XX/XX/XXXX with a private bank, XXXX, that refinanced student loan debt and reduced my interest rate by 2 %. It will be another 10 years for me to pay the student debt off. So, I will have been paying on my student loans for 23 years. The failure of USDE and XXXX to properly label my repayment plan cost me a lot of money in interest as well as the benefit of the loan forgiveness program that I believe I was entitled to based on their requirements. I am beyond angry with them and would like to take part in any class action lawsuit against them for monetary damages from their negligence in their handling of the PSLF program.

Company response to consumer: Closed with explanation