BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Navient Solutions, LLC.
State: NY
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:
I have federal student loans that ended up with Navient. At one point, I was paying them - or so I thought - through a 3rd party debt consolidator. To my shock, that company was a fraud.

I had to, then, discuss repayment options with Navient, stressing how very difficult it is to afford the options they presented. They suggested recalculating via the website.

Not only has Navient been less than helpful or understanding, but, I'm now receiving harassing robocalls 6 - 12 times a day, all throughout the day, weekdays and Saturday. This is well outside of the call times I specified to Navient, which they still have on record. Additionally, somehow Navient has discovered my WORK phone number and has been calling multiple times throughout the day, for weeks!

This is a severe problem at my work. Because my office is extremely quiet, the frequency of these outside calls ( indicated by the double ring ) misconstrues itself as private phone calls during company time, which is detrimental. I sit within ear shot of managers, executives, directors, etc. I never gave Navient my work number. It's not on my profile. I never gave it out. How was it found?

Endangering my employment will only serve to exacerbate strained finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Aldous & Associates, PLLC
State: NH
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 a collection on my report that should have never been there since i never recieved notification of the debt. I am in the middle of purchasing a house so instead of fighting the debt i paid just paid the collection because the rep told me on the phone it would be removed. I disputed it with the credit bureaus as well just to make sure that it would be taken care of. I had my credit repulled and it is still showing with 2 of the credit bureaus and those credit bureaus look like they haven't even looked into it and opened up any investigation. Please help me to get this removed as it never should have been there to begin with and they are not doing what they told me they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agent can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end 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 2019-07-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I selected a Southwest round-trip flight for four, scheduled for XX/XX/XXXX-XX/XX/XXXX, XX/XX/2019. The total came to approximately {$2300.00}. On the check-out screen, there was an offer to apply for the Southwest Rapids Reward card by Chase. The promotion being offered was {$200.00} statement credit and a points bonus for spending {$500.00} in one month. The web site stated that my Chase credit card application could be approved in 15 seconds, and that I would be redirected back to the XXXX web site to complete my purchase and earn my promotional bonuses. 

I applied for the card, clicked " Submit, '' and within 15 seconds was taken to a screen stating my credit application was approved. The page stated that once I clicked " Continue, '' I would be taken back to the XXXX site, where my promotion would be applied and that I had 30 minutes in which to complete my ticket purchase. 

I clicked Submit, was redirected to the XXXX site, but nothing happened. The page hung and refused to load. I touched nothing, worried that if I clicked anything, I might not get the applied bonus. 

I waited five minutes, then called Southwest Customer Service, where they told me it was a computer glitch and that literally nothing could be done about it. I called Chase, and they told me the same thing. 

So now I have applied for a card and had my credit score pinged for a bonus I did not receive, as I still need to book the flight today and have no further use for the card. Southwest told me there was no way they could hold the flight, or credit me {$200.00} for it, and Chase told me there was no way to get my card number so that I could use it on this exact flight, as advertised. Southwest tried to blame my computer for the hangup, and Chase told me " we aren't XXXX XXXX, '' refused to offer an additional statement credit or any kind of courtesy for their glitchy process, and on top of it had the nerve to say there was no customer service issue. Obviously this is a bait-and-switch to get people to sign up for their card on the spot, a mistake I will never make again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo illegally repossessed my brand new car in XXXX and returned it in XXXX ( 2 months later ) with a letter apologizing for the " wrongful repossession '' and a check for {$500.00} for compensation for me losing my job, I was unable to get to work because I had no car. So now it is XXXX and now they want to repossess the car AGAIN unless i pay it off in full, which is {$20000.00}. I still had XXXX more years left on my loan. They closed my loan and wrote it off on my credit as a charge off. Now I am unable to get the car refinanced with another lender because I have a repossession on my credit. They are threatening to pick up my car AGAIN. I don't have {$20000.00} to give to them.

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 2021-05-21
Company: Experian Information Solutions 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 XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

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 2020-04-09
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:
To Whom it May Concern : Me And my Husband XXXX XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report

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 2022-05-05
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:
On XX/XX/22 I sent a dispute letter to you regarding accounts XXXX XXXX, XXXX BXXXX XXXX XXXX stating these accounts were opened using my social security card which is a form of a credit card. The reporting of these accounts on my consumer report are to be excluded pursuant to 15 USC 1681 ( a ) ( 2 ) ( b ). On XX/XX/22 you sent me the results from this dispute verifying they are reporting accurately but how is this possible? When I never gave you written permission ( pursuant to 15 USC 1681b ) to furnish these reports on me in the beginning. I am demanding these accounts be removed from my consumer report as well as the XXXX per violations stated in my previous letter dated XX/XX/22 making that a total of XXXX. The reporting of these accounts has over the months caused me XXXX XXXX XXXX XXXX  and stress.

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 2023-08-10
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Target Redcard ( credit ) fails to post payments in a reasonable time frame. 

Money already withdrawn from my checking XXXX weeks prior still has not been applied to the card. The most recent example is when I requested paying off the card online on XX/XX/XXXX. The money was then withdrawn from my checking on XX/XX/XXXX, unfortunately the card has not been updated as of XX/XX/XXXX I have called Targets RedCard customer service XXXX times in the past few months attempting to resolve this. 

Initially the problem, I was told, is making big payments at the end of the cycle will delay processing. Another call I made weeks after stated the opposite, to not have small payments throughout the cycle. 


A small note, after I pay with another card at Target ( due to lack of funds, since the payment has not posted ) and proceeding to customer service the representative states this issue is a common occurrence for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Maximus Education, LLC dba Aidvantage
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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX to reinvestigate these accounts : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: NY
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 am writing today because I am shock how poor attention and lack of investigation Experian and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and Experian does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and Experian is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and Experian is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

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 2023-11-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCO Collections agency reported to XXXX, XXXX, and XXXX that I owe a debt of {$2300.00} to XXXX XXXX. This is inaccurate and erroneous and I sent documentation to the company of such. Particularly alarming is the fact that I was never a leaseholder at the property or with XXXX XXXX and never had any financial or legal obligations to XXXX XXXX, The Collection agency could not provide any proof that this was indeed a debt that I owed yet they illegally reported and published it on my credit reports. 


On XX/XX/2021, I sent an email to the compliance department of Fair Collections & Outsourcing , Inc., with a copy to XXXX XXXX of XXXX XXXX, clearly stating that there had been a misunderstanding regarding the alleged debt. In this email, I highlighted that I was never the primary leaseholder associated with the account in question and that there is no outstanding balance owed to XXXX XXXX. 
Furthermore, I received correspondence from XXXX XXXX of XXXX XXXX on XX/XX/2021, which supports my position that I do not owe any debt related to the property this information was furnished to a collection agency that disregarded and continued to attempt to extort me for money.

Company response to consumer: In progress
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2021-05-21
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After divorce I had to file bankruptcy. I paid off my debts and came out of the bankruptcy XX/XX/XXXX. My regular payments resumed and I continued to pay without missing a payment. My credit score had increased so I decided to refinance my home. I logged onto the website to get my information regarding the payoff balance etc and Selene said that a bankruptcy was attached to my account that was in effect as of XX/XX/XXXX. I was advised I could make payments but would have to have the lawyer submit proof of bankruptcy discharge. I have sent this by email after multiple escalated calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The times I have called is also substantial. 

I was approved for a refinance loan at almost 50 % of what I pay to my mortgage company and I have been unable to move forward with this because they won ; t take the bankruptcy documentation off of my file. Luckily it does not show on my credit reporting, because I am not in an active bankruptcy. What are my steps I can take to get them to fix this so I can pay my bills? I deserve the opportunity to have a lower mortgage payment so my family can continue to thrive. I have paid of the bankruptcy, repaired my credit and worked hard to do this. 

Every time I call, I advise them I want to speak to a supervisor for an escalated issue. I am asked if this is the mailing address, do I live in the physical house etc. and mail is still being sent to the bankruptcy lawyer, who in return, puts it in an envelope to me and adds a sticky note asking why are they getting my mail, they dont represent me anymore. I have occupied this home in good faith for 13 years as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-05-21
Company: Conn's, 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: Account status incorrect

Complaint:
On XX/XX/2020 Conns offered me a settlement of {$3800.00} to settle my account with them. I paid the settlement amount of {$3800.00} on XX/XX/2020 at XXXX. And still to this day my account has not been closed. It is still showing that I owe on this account and I have been getting late payments on my credit every month for this account after my settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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:
I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

Company response to consumer: Closed with explanation