BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in school working on completing my XXXX. I started the program in XX/XX/XXXX and still working on my Dissertation. However, I received a letter in the mail from Navient dated XX/XX/XXXX stating that my in-school deferment will expire in XX/XX/XXXX. So, I called Navient to inquire thinking that I had received a scam letter. The phone tech stated that the letter was legitimate and that the in-school deferment for a private loan with Navient is 48 months -- yes 48 months. The phone tech proceeded to explain that the loan deferment will be up on XX/XX/XXXX and that the payment will become due on XX/XX/XXXX even though I am still in school. I am not aware of any new educational law change regarding student loans, and I have not reached 48 months in-school deferment. I am not sure what is going on with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spring Oaks Capital LLC purchased an account that used my personal information, without my knowledge, and that account was purchased from XXXX XXXX XXXX. It was opened XX/XX/XXXX  and it is still open. The account information is being disputed, and it meets FCRA requirements. The balance the account currently has is {$560.00}. I was unaware of this account I believe it to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 To, XXXX Police Investigator and CFPB, CHASE is causing a lot of XXXX and sending threatening letters to damage my credit. I have told. Kindly please consider this complaint police reports as physical distress cause by CHASE Executive Office employee in collaboration with CHASE ( XXXX Local Banker ). 

XXXX, TX Police Report Numbers for Reference : XXXX & XXXX. XXXX On XX/XX/2020 CHASE Executive Office Employee, Name : XXXX, had called told ( upon asking threatened ) that CHASE will continue to send threatening letters and report interest and late fees and negative remarks report " Bad Dept '' even during the time of investigation of their employee. ( Refer to earlier police report addendum filed ). 

I have complained to CFPB and CHASE agent XXXX was were unhappy and seems to have and as per my best understanding CHASE should not legally keep on sending threatening letters that causes physical anxiety. CHASE agent was very angry that I had made complaint to CFPB and mentioned to me that they would keep threatening me in spite of their Banker not letting me inside to make payment and even though I have made police complaint for XX/XX/XXXX caused by threatening letters by CHASE. 

Location : Executive Office in - XXXX OH REF : XXXX The CHASE agents have said The Reporting will remain the same. They will keep marking negative credit. They have not promised to investigate the CHASE Branch officers who is using XXXX Police name to make threats. 


Thanks, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX Email  : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: LEXISNEXIS
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:
I have previously disputed XXXX XXXX  bankruptcy discharged/ Reference # XXXX XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Park Hill Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern : I write to raise concerns I have about the tenant screening practices of Saferent Solutions and XXXX XXXX. 

On XX/XX/2023, I applied for a home with XXXX XXXX in XXXX, Georgia. XXXX XXXX was aware that I was planning to rent the home with a XXXX XXXX XXXX ( also known as Section XXXX ). XXXX told me they accept vouchers. XXXX charged me {$100.00} ( {$50.00} for me and {$50.00} for my adult daughter ) as an application fee. 

On XX/XX/2023, XXXX used SafeRent Solutions to conduct a tenant screening check. On XX/XX/XXXX, I found out that I failed the tenant screening check, and that XXXX was denying my application. Attached is a copy of the tenant screening report I requested and later received from SafeRent. The report raises a few problems, which I explain below. 

XXXX. The SafeRent report inaccurately states that I have a felony record. I was never convicted or found guilty of a felony. SafeRent 's record collection must be highly flawed if the report is showing this level of inaccuracy. 

XXXX. The SafeRent report lists non-violent offenses and alleged offenses from nearly XXXX years ago. Records so old, even if accurate, should not appear on a background check. They have no bearing on my ability to be a good tenant. 

XXXX. The SafeRent report is vague and opaque about the reasons I was denied. It uses a numbering system that does not relate to my credit score, and I can not tell from the report what item or items have caused me to be denied. Although SafeRent says it does not make the decision for XXXX, my understanding is that XXXX relied exclusively on its determination when choosing to deny my application. 

XXXX. The report seems to penalize me for not having more income, in comparison to the monthly rent. However, that conclusion does not make sense, given that XXXX has agreed to take my voucher. Under the XXXX XXXX XXXX rules, my portion of the rent will be approximately 30 % of my monthly income. It is unfair to charge me an application fee and run a report that I was sure to fail based on my income alone. 

I hope you will investigate these practices, as I'm sure I am not the only person who has fallen victim to this unfairness. Please contact me if you have any questions.

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 2023-10-04
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an AT & T Universal Rewards Card from Citi. My XX/XX/2023 statement had an interest charge of {$30.00}, even though I had paid the balance on my XX/XX/XXXX statement fully and on time. I challenged the interest and received an update on XX/XX/XXXX that stated, " We've determined that your account is not eligible for a credit of the finance charges '' and nothing more. After I challenged my XX/XX/XXXX statement, I received an update on XX/XX/XXXX that stated, " interest charges for purchases, balance transfers, and cash advances accrue from the date the transaction is added to your balance until payment in full is credited to your account. This means that you may be assessed interest charges for the time between the date your last statement prints and the date your payment is credited to your account. Please see your Card Agreement for further information about how interest charges are calculated. '' This is not the way my account has always worked : interest was only charged when I did not pay my balance on time. I challenged my XX/XX/XXXX statement and requested a copy of my Card AgreemenXXXX. After I challenged my XX/XX/XXXX statement, on XX/XX/XXXX I received a copy. It stated, " You wont pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Citi Flex Plan Payment Amount, in full by the payment due date shown on your statement each Billing Period. We call this a grace period on purchases. If you dont pay your Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date in a Billing Period, youll pay interest on your Purchases from the date theyre posted to your Account. You also wont have a grace period on Purchases again until you pay the Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date 2 Billing Periods in a row. '' I quoted this passage in my challenge to my XX/XX/XXXX statement. I have not received a response as of XX/XX/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 2019-07-01
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a Walmart credit card. I was paying the payments with no problem. Walmart with out notice or reason lowered my credit limit. I was never late on payments or deliquent. I called Walmart card services and was told they lowered it at their discression. I advised them it put me over my new credit limit and I was charged a over the limit fee. I stopped paying because I felt this was unfair 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 explanation
Consumer complaint received 2023-03-03
Company: Reliable Credit Association, Inc.
State: UT
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:
Reliable Credit is reporting on my credit that I was late on XXXXXXXX XXXX XXXX. I ask they remove the late as I had no way of making payment. At this time, I was driving with my sister and she got into a really bad car accident and I was the passenger. I was severely injured and ended up in the hospital. Usually my husband takes care of finances if anything like this were to happen but he was in XXXX as was most of the family. As soon as I got home, I got current but during my time in the hospital and inability to move or do much I was unable to make payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient Federal Loans illegal behavior 1.Navient illegally made me think I was on income based repayment when they where just putting my loans into forbearance and deferment. I would call and request income based repayment and they would say Your good to go, just call back every three months after maybe a year or two of this, after exhausting all my forbearance and deferment, I finally got someone on the phone that told me I wasn't in fact, on income based repayment, that income based repayment is done through the Dept. of Education. This is illegal! I asked for Income based repayment and was screwed, on purpose by Navient. Now what can I do? I can not afford a team of lawyers to fight them. I feel so utterly helpless and powerless against a company that can do whatever they want to me. 

2. Navient has been misreporting federal loan balances to credit bureaus. My credit report is basically indecipherable. Navient will add a balance of about XXXX then remove it the next month. Some times they add two XXXX balance increases. These loans are in actual income based repayment now, and there is absolutely no way the interest is XXXX a month. Again I am completely powerless to do anything. When I call Navient they say I have no options. Please investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a disputed later XX/XX/20 asking for a verification to validate the debt they claim I owe {$240.00} .... They sent me a letter stating I still owe them the debt but there were no evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay convergent outsourcing company.

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 2022-12-18
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:
This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from XXXX Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my XXXX XXXX XXXX. 

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX$790.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. THAN

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 2020-12-31
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a Collection notice from credit card collection service. Located XXXX XXXX XXXX XXXX ma .... CCS USA Established in XXXX phone number is XXXX XXXX XXXX ... the letter was send out on XX/XX/XXXX ... PIN number XXXX ... XXXX XX/XX/XXXX ... XXXX Ok I'm a XXXX year old female that never had anything on credit or anything thing in my name ... How they sending me this collection letter to me ... I don't know what they said I owe or for what.. this letter is not telling me what I owe on anything.. So please have Credit Collection to Verify this debt.. According to the fair that collections act they need to verify this debt. According to my recollection I don't owe no one anything. This people are attempting to put this on my credit report. Which is causing damage to me and stopping my opportunity. This is a violation Of the fair debt Collections it I want to file a complaint for damages. Please help me get Remedy. Thanks XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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 Crdit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX Acct : XXXX XXXX  Acct:XXXX  XXXX XXXX XXXX Acct:XXXX  XXXX XXXX XXXX Acct: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 a 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2022-12-18
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Below I have listed the fraudulent accounts I want deleted from my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX was in XXXX XXXX XXXX  The balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my account six times. 

XXXX XXXX XXXX XXXX XXXX balance and date are inaccurate. The payment history/rating is incorrect. The account is listed closed. Payment terms are incorrect. On my credit report seven times with fraudulent information. 

XXXX XX/XX/XXXX account does not belong to me. Duplicate account. I have a Navient account in good standing. This one is not mine. Inaccurate information. 

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. All three Credit Bureaus have closed student loan accounts posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an account with Cashapp for which I had lost the phone that was tied to that account. I currently have {$220.00} sitting in the account and while I provide all the correct information they need to verify my account they refuse to allow me access to it and refuse to help me further to get access to the account. They told me I pretty much s.o.l in regards to retrieving my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX  Account Number : XXXX Fraudulent Inquiries : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution. 

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

Sincerely, 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 2023-07-25
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation