BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I successfully completed a XXXX XXXX bankruptcy several years ago. During that time SallieMae/Navient received portions of my monthly payment ( though not in monthly intervals, but as the court decided to send them out ) and the loans continued to accrue interest. 
At the end of that time, when monthly payments resumed with Navient, I called to see what could be done with payment amounts and they said I qualified for the rate reduction program, but in order to participate, I had to agree to have the accrued interest compounded onto the principal amount. I thought this was the interest that would accrue during the time of the program- as I previously understood deferments/forbearances to do. I found out I was wrong. All along, every time I agreed to have the interest added to the principal, they were adding ALL the outstanding interest, not just the interest for the time frame I was requesting forbearance/deferment for. I didn't know that. So this time, after 5 years of bankruptcy payments, they added over {$17000.00} in interest to my principal. As a result, my principal balances are more than double what they were the day I took them out between XXXX and XXXX. Yes, my interest rate is lower, and my payments are $ XXXX, but in order to be able to meet a monthly requirement, I had to agree to take on double the debt. I have to reapply for the program every 6 months, and due to the fed rate increases that 'reduced rate ' has gone up every 6 months ( my orig payment was $ XXXX, but it's been creeping up with every renewal. ) I finished school in XXXX and have paid on these loans ever since then - taking deferments and forbearances as I've had to, and even going through a bankruptcy, since I had no one to fall back on when money was short. Often I put my federal student loans into deferment to pay on these ones. 
How is this not predatory lending? How can they be allowed to compound interest earned during a bankruptcy that was supposed to offer relief? How can they be allowed to compound interest onto the principal at all, let alone without a ceiling? How am I EVER supposed to get out from under these student loans and still live a life?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-09-21
Company: DISCOVER BANK
State: WI
Product: Credit reporting 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 REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS 15 U.SC181 SECTION 602. I HAVE THE RIGHTS TO PRIVACY 15 USC 1861SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCONT WITHOUT WRITTEN INSTRUCTION 15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENT ON OPEN CREDIT CARD ACCOUNT AS LATEON CONSUMER CREDIT PLAN ON ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: BARCLAYS BANK DELAWARE
State: FL
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 rewards from credit card

Complaint:
I was honored XXXX bonus miles towards my XXXX XXXX XXXX account ( XXXX ) however to date I have not received it. I have contacted XXXX a few times and lets voicemails, but no one is calling be back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I believe that these accounts were associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
GM FINANCIAL XXXX and GM FINANCIAL XXXX. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted XXXX and Transunion on XX/XX/XXXX to Remove negative information, collections, and closed accounts. as well as address reporting on my credit report that was also tied to fraudulent accounts, also the name reporting wrong upon doing so. I experienced with them nothing but threats and coercion to keep the accounts reporting. ( Collection Accounts ) XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Account number # XXXX Balance {$610.00} XXXX. XXXX XXXX Date opened XX/XX/XXXX balance {$740.00} account number XXXX I also told them that I would like the reporting accounts to be removed from my accounts based on the fact that I am a victim of identity theft. I also added a personal statement to my report stating that I am a victim. Upon removing that same Statement all the disputed accounts were subsequently updated. My rights have been seriously violated. Along with these companies not abiding by XXXX XXXX XXXX XXXX  ) as well as the ( FCRA )...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Stellantis Financial Services US Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a baby and was on FMLA. After returning to work, I was behind on several bills. I have tried to make arrangements with this company but was told I was ineligible for any assistance until I made 6 payments. I have talked to several different representatives and they were all rude and unhelpful. This is the worst auto finance company and their business practices should be looked into.

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 2022-05-06
Company: EQUIFAX, 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 have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Freedom Mortgage Company
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report act, 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2017-02-22
Company: Sentry Credit, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been divorced from the debtor since XX/XX/XXXX and part of our XXXX decree states she is responsible for all of her debts which include XXXX XXXX and XXXX credit cards. I have never applied nor possessed a XXXX XXXX XXXX credit card. According to the documents they provided, the charges were made between XX/XX/XXXX and XX/XX/XXXX. Also, I believe the debtor has filed for bankruptcy since the charges. 

I sent a letter on XX/XX/XXXX, after their initial attempt to collect the debt, stating I am not responsible for this debt. ( letter attached ) On XX/XX/XXXX i received approx 50 pages from XXXX saying I requested this info ( I did not request anything ). 

The pages include a cover letter stating I requested this info, an affidavit of forgery, identity theft complaint affidavit, and copies of all charges made on the credit card. 

I 'm going to ignore these documents, but I want to file a complaint to help XXXX understand they are chasing the wrong person for this 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 2019-09-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX/ XXXX contacted me about doing the rehabilitation for my loan- the amount due was {$22000.00}. I was contacted on XX/XX/XXXX for nothing less than {$220.00} per month. Which I financially couldn't afford as a single parent.They eventually set up a wage garnishment against my wages- receiving anywhere from $ XXXX- $ XXXX+ per week. I was paid weekly. I was garnished for 3 consecutive years. Then in XX/XX/XXXX I received 2 letters from 2 different collection agencies/debt collectors. One was dated the XX/XX/XXXX from XXXX XXXX XXXX XXXX- from previous company Navient. The amount they were seeking was {$12000.00}. After receiving a notice from XXXX XXXX XXXX dated XX/XX/XXXX from previous company Navient. They were seeking $ XXXX- but were willing to settle for {$510.00} within 40 days of the letter. Each letter stated that I had 30 days to contact them. I have enough common sense to know they were trying to collect times 2 on my account. I contacted both debt collectors and infomed them that any further contact would result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Medical-Commercial Audit Inc
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a identity theft report in XX/XX/2023. Listed on my credit report is MCA Management and XXXX XXXX XXXX. I have no contracts with either of these creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: NCB Management Services 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting from an account that was opened almost 9 years ago and thus should be removed. 
NCB is reporting collections for the XXXX account and is double reporting the XXXX account that should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE is THE account THAT I WANTED TO REMOVE! 

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 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on Zelle and XXXX. Zelle stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Zelle : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} I have attached the payment history, under XXXX XXXX and XXXX XXXX There are about {$4000.00} more that she sent through XXXX XXXX 
During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday XXXX  and found out that this was a scam. 
We have talked to Zelle if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Rent Recovery Solutions
State: TX
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:
I have new information and an update regarding complaint # XXXX. 

, I did not receive any communication from your company. Please upload here on the CFPB website the correspondence letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX on XX/XX/2023. 

This is a stall static that your company is using. 
The more you delay this information the more I will claim damages in court. 

I have also attached the original letter that was sent certified. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/2023, I received a debt collection letter from Jefferson Capital claiming that I owe {$6100.00} to the XXXX XXXX XXXX I then called the Jefferson Capital and I told them that I do not recognize such debt because I have never ever opened such an account with XXXX XXXX XXXX. I then checked XXXX XXXX on which I found that this account exists in my credit file. It was someone else who apparantly used my identity and opened this account. I would like the law enforcement initiate an investigation on this fraudulent account and I also request that the credit report agencies remove this account that does not belong to me.

Kind regards. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: NRA Group, LLC
State: FL
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:
I wish you have other category. I received a text message from National Recovery Agency. The text message came to my cell phone, which identify my full name and address. 
The problems are following : My phone is XXXX. Cyber criminals could hack my phone. They have my name and address, My phone could be used by someone else. Now, he or she could see message and have my address.. 

Lastly, I do not have a clue what this notice is about. 

I did request to Stop. No reply back.

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 2022-05-06
Company: Affirm Holdings, Inc
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: Information belongs to someone else

Complaint:
I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over XXXX. On one of the reports ( XXXX is showing score of XXXX ) there is a closed collection account that is not mine with Affirm. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to Affirm and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. Affirm stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX Bank in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: Possible Financial Inc
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tried multiple times to explain that I paid a dept that wasn't mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
after recently review of my credit report i noticed unauthorized credit inquiries, i did not authorize please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-26
Company: Army and Air Force Exchange Service
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Thank you for the quick response. Can you please send me an official letter of deletion so I can send to the credit bureaus and my home loans lender. I am in the process of purchasing a home and this account is ruining my credit worthiness. The lender needs official letter or proof on a company letterhead stating this account will be deleted permanently from XXXX XXXX credit profile. Can you please send me the letter ASAP? 



Thank you for your time

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