BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Navient Solutions, LLC.
State: PA
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:
Hello, In 2010 I XXXX  from college and began repaying my student loans. I had federal loans which were consolidated into one subsidized and one unsubsidized. Some payments went into deferment while I was getting my XXXX XXXX XXXX. About 2 years ago, after Navient had become the servicer of these loans, when the loans came out of deferment and I began making payments for all I applied and received approval for an income based repayment plan which also included a 10 year debt forgiveness component because I am working for a XXXX XXXX. I setup monthly automatic payments to be taken out of my checking account. These payments came put monthly without any problem for a good amount of time, I would estimate a year or more. Strangely, without any notice from Navient, and with no indication that it had do to with any issue from my bank, these automatic payments which were setup through navient simply STOPPED. I did not know they had stopped, I did not receive any word that my payments were not being collected, not even any warnings. They have simply stopped collected payments from me. While on my end, in the short term this seemed like a good thing because no one was asking me to pay, in the big picture this hurts me because I believe that it sets back the 10 year timeline of debt forgiveness that by now I should be 2 or 3 years into, through no fault of my own, and through Navients failure to even tell me that I was not paying them. In the business of my schedule as a XXXX   and a father, I have only tried once to find out why the auto payments stopped and to reinstate these payments, but I was not able to get a solution. I am going to make another attempt. But I can't help but wondering if this is related to the larger issues I am seeing in which Navient has received serious allegations for innapropriately handling their business. Is it worth looking more into for this situation, should I pursue further action? Or is my situation not one that would be eligible for correcting? Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: SC
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2018-08-12
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XX/XX/2015. My identity was stolen through XXXX and the amount on the account is XXXX. I am not sure when this account was created because I have had many things put into my name that are not mine. However, I estimate the account to be created around XX/XX/2015. I have contacted XXXX many times about this account not being mine and this is not my debt to be paid and they still put it on my credit score and ruin my credit. There has already been a police report file and I have all of the documents stating that this account is not mine and this is not my debt to be owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
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:
After receiving a copy of my consumer report, I concluded that XXXX Fifth Third Bank Acct # XXXX Violated 15 U.S. Code 6802 Rules of Construction for VIOLATION OF SECTION ( b ) OPT Out section ( B ) ( C ). 

( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

In addition, XXXX continues to re-age this debt by reporting recent payments that has not been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX an XXXX XXXX by notifying them by phone that my information was sent to them illegally an that theyve been reporting my information to credit bureaus destroying my credit. I also stated that every line I dispute a charge an the credit bureaus take it off the re add it back. They representative stated that if I dont like whats being done pay the bill. Unless I want to be arrested an take to court. I stated that I was going to report them an they said that it didnt matter now pay the bill. I ask them to take it off my credit an she laugh an hang up. The next time I call a representative said yes it can be taken off my credit no problem an said it wa fine. But they lied. So in XXXX nothing happen when I call back but for me to pay or be taken to court with documentation. XXXX I ask the same thing nothing happen but threats to credit or taken to court.

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 2023-06-30
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We received notice from XXXX XXXX XXXX in XX/XX/XXXX that all three credit agencies ( XXXX, XXXX and XXXX ) were reporting that our mortgage with Midland Mortgage was delinquent by over 120 days. After reviewing our payment/transaction history on Midland 's website, my husband and I were able to confirm that our payments had been successful and on time. At that time, we called Midland 's Customer Service number, and over the course of multiple calls with both Customer Service reps and Supervisors, we were told our ticket was expedited with their IT team, and it was later discovered that their reporting system was malfunctioning and reporting delinquent payments in error ( when they were able to confirm successful payments ). The reporting error began in XX/XX/XXXX and continued through XX/XX/XXXX. As of today 's date, delinquent payments are still being reported by all three credit union agencies and have not been removed, despite disputes with all three credit unions. Additionally, after being told that the reporting system issue had been found and resolved, we received notice today ( XX/XX/XXXX ) that Midland is again reporting delinquent payment, even though our payments have been successful all this time. Some background : We were forced to move to an FHA mortgage after being involved in a pre-foreclosure situation around the time of COVID, and have been struggling but able to make our payments on time since the transfer to Midland. Midland 's continued, repeated negligence has made our credit score suffer due to their payment system 's inferiority. We just want what's right- the removal of any and all delinquent notices with all three credit unions, and Midland to take responsibility for their reporting system mistake and see it through so that this does not continue to happen. I would not wish this treatment on anyone, and hope by publishing my experience that no one has to suffer the tears and heartache my husband and I have been going through for months with no resolution.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX 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 XXXXXXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ). 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-01
Company: Experian Information Solutions Inc.
State: NJ
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 account is currently under dispute Account info Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$270.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$340.00} Terms NA this has been going on for 8 months all others removed it but Experian

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 2021-08-01
Company: LD Holdings Group, LLC
State: FL
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:
Based on case # XXXX, Loandepot documented that it's company had made a system error by reporting to all three credit agencies negatively impacting my credit. To this date, all three credit bureaus have not received all correct information and are still reflecting negative credit. I have already been denied credit due to the erroneous error on Loandepot 's system behave and has caused me over thousands of dollars of credit. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At XXXX XXXX XXXX XXXX of XX/XX/XXXX the bank moved money from my savings account and then, within minutes, allowed someone to then move {$4900.00} from my checking account to be deposited in an unknown account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in Washington State. When I contacted my local branch of US Bank later that morning, they said the transfer had gone through and there was nothing they could do. I made a police report. I wrote a four page letter outlining the entire situation and requested a unredacted copy of the documents upon which they relied to deny. It took well over two months and three phone calls to get that information. I received it today and the typing was so small even a magnifying glass could not allow me to read it. They stated in their letter that I must have participated in this because I gave out my password and answers to a security question. Of course, that entire section was redacted and of no help to me. 
I do not know what further I can do as an individual and thus I am filing this complaint with your Bureau.

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 2023-06-02
Company: EQUIFAX, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Credimatico LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a pay day loan. I had issues making the payments and asked them to stop for a while. They told me I had to send a letter to stop the payments. I added a stop payment with my bank, sent the letter. They still keep with drawing from my checking account now with my debit card. I called again, someone advised they the letter wasn't received and that I need to resend the letter. I asked to speak to a XXXX and was told a XXXX will me back. They then again withdrew funds from debit card again, causing me fees. 
I tried sending the letter again with priority mail and letter was returned undeliverable. The address given was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have called this company many times to try to resole this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am asking for a complete investigation on the company. I sent in numberous correspondences to this company asking for proof of this debt bearing my signature as I asked this is my final attempt to get help with this matter. This company is harrassing me by telephone and mail demanding I pay a debt i do not owe and have ask for proof of this debt and have yet to recieve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase has refused to re-open, adequately investigate, and fairly adjudicate a dispute between myself and United Airlines. I have submitted more than ample documentation to establish my case. Due to their own confusion, incompetency, and/or interest in expediency, I have been forced to re-open this dispute now 2 times. Most recently, after providing even more documentation and explanation ( attached with the complaint ), my written request for reconsideration was summarily rejected by Chase with no explanation for their decision, and to which I would add, was in total ignorance of the weight of the evidence presented by me ( vis-a-vis the merchant ). I also have been unable to speak to anyone in the Chase dispute department about the specific details of my case and the reason for their decision. I will now detail the precise nature of the dispute below : On XX/XX/2019, I made a United airlines reservation, locator XXXX, in the amount of {$210.00}. This reservation was cancelled on XX/XX/2019, within their 24-hour cancellation period. I was appropriately credited by the merchant on XX/XX/2019. 

Separately, on XX/XX/2019, I made a second United airlines reservation, locator XXXX, also in the amount of {$210.00}. This was cancelled on XX/XX/2019, also within the merchants 24-hour cancellation period. While I received a cancellation confirmation, which I have separately submitted here, no credit was ever received or issued. Because there were 2 identical charges, there has been some confusion in the Chase dispute process. The first charge, with the ticket number endingXXXX, was cancelled and properly credited, and is not in dispute. 

However, the second charge, with the ticket number ending-XXXX ( locator XXXX ), while cancelled by me on XX/XX/2019, was somehow not correctly processed by the merchant. I contacted them several times in the subsequent days to inquire as to why the reservation was still appearing under my profile. It was not until on or around XX/XX/XXXX, that the merchant manually cancelled my reservation in their system. This is the date the merchant is citing to refute my dispute, when in reality I made my attempt to cancel some 10 days earlier, and within the 24-hour cancellation period. I can only speculate that because of the identical nature of the 2 reservations and their cancellation at roughly the same time, the system encountered difficulty executing my second cancellation request. 

The case is fairly straight-forward then : I appropriately cancelled the reservation, and have provided evidence of this cancellation. United has presented no counter evidence, nor refuted my documentation.

Company response to consumer: Closed with monetary relief