BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have filed complaints with this agency in regards to the predatory practices of Navient in regards to my student loan and continue to get no response as to why Navient had placed this account on hold since XXXX due to, as it claimed, a bankruptcy lawsuit filed by other borrowers. I have never filed for bankruptcy and Navient should not be able to charge me fees for a lawsuit that had nothing to do with me. Prior to XXXX, Navient had placed this account in deferment in XXXX, where it gathered thousands of additional dollars of exorbitant forbearance interest fees. In total, Navient has held this account in deferment and hold for 14 years, where no payment could be made. The original loan was {$7000.00} ; it is now more than {$18000.00} after 14 years of one hold or another. Navient used the credit bureaus as a weapon in XX/XX/XXXX and reported the account in late status without informing me when the bankruptcy hold would be released. I believe Navient did this punitively after my complaints with this agency because it responded to one of my complaints by simply stating the hold would be lifted " soon, '' which does not indicate an actual date, but still they reported the account late. I spoke with an agent with Navient in XX/XX/XXXX, and she informed me that the fees assessed to this account for the bankruptcy hold should not have been based on that lawsuit as this account should not have been a part of that procedure since it that did not pertain to this account. Navient apparently is ignoring this matter and deceptively distracting with a story about not having an up to date address for me, even while I have had my mail forwarded with the post office. They have not provided life of loan documentation with legitimate attempts to contact me, but they have provided proof that they have not been an honest broker of this service by using the credit bureaus as financial weapons, omitting the date the hold would be lifted from the bankruptcy hold in their CFPB response to my complaint for inaccurately placing this account on a bankruptcy hold for 9 years plus 5 years in deferment hold before that, and now trying to steal 14 years of forbearance interest fees from me without remorse or accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: Old information reappears or never goes away

Complaint:
I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..

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 2019-11-04
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I WAS CONTACTED BY XXXX AT MONEYLION ON XX/XX/29 WHO WAS ASSIGNED TO MY LOAN TO HELP RESOLVE MY ISSUES. TO DATE, MONEY LION HAS VERIFIED THEY WERE TAKING LOAN PAYMENTS FROM AN AUTHORIZED ACCOUNT. SHE INFORMED ME THAT SHE WOULD CONTACT THE REPORTING AGENCY TO HAVE ALL LATE PAYMENTS REMOVED AND MY BALANCE UPDATED. AS PER MY SCREENSHOTS THIS HAS NOT BEEN DONE. THIS IS CAUSING ME PERSONAL PAIN AND SUFFERING. PLEASE HELP WITH THIS. XXXX HAS STOPPED RESPONDING TO MY EMAILS AND PHONE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Duvera Billing Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This complaint is about XXXX XXXX XXXX, which is a business actually known as Duvera Billing Services. The Company Duvera Billing Services, had misled and misrepresented their services as I believed I had entered an agreement with XXXX XXXX XXXX. The company forced me to sign documents through a mobile electronic device, thereby making lines very hard to read and especially difficult to further review. However, they have set the interest rate on this {$2500.00} loan at 164 % and accrues daily. Not only was this business deceptive, but they are continuously getting away with the practice to harming consumers. Thousands of other individuals are suffering financially and have devastating credit scores as a result of this business fraudulent conduct. In addition to this, their agents calls and harass me from several different phone numbers, but none of which have their business XXXX XXXX neither Duvera Billing listed on callerid. This is trickery and gross harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I, as a federally protected consumer, have reached out to Discover Student Loans via certified mail requesting information in which I have yet to receive neither a response nor the information in which I requested. The certified mail is posted as received on XX/XX/20XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Company is claiming no payments were made since XXXX. We paid {$1100.00} on XX/XX/23, {$1200.00} on XX/XX/23, {$700.00} on XX/XX/23 and {$1200.00} on XX/XX/23. This should leave us behind on XXXX months mortgage. However, we received a notice in the mail that we are 90 days past due, and have until the XXXX of XXXX to pay the full amounts for XXXX, XXXX and XXXX plus late fees and other fees. Because of them being hacked, no one can help us, all they can tell us is we must pay the {$7000.00} amount by XX/XX/XXXX, plus XXXX mortgage or they will begin foreclosure proceedings. They are unable to apply/refusing to apply the payments made in previous months, despite me having proof from my bank.

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 2021-10-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company said that if I paid {$2700.00} that it would close the debt of {$18000.00} as paid in full and report to the credit bureaus that it would be paid in full ( {$0.00} balance ). 

They lied. When I checked my credit report, they subtracted the {$2700.00} as payment, however they did not XXXX XXXX the balance and they still claim this balance as past due. 

They also said they would send me a letter to confirm this. I gave them my new address several times. When I last talked with them, they still had the incorrect address, then the representative passed me onto to someone who hung up on me. 

I paid this debt in good faith based on Chase 's offer and Chase bank lied to get my money and did not live up to their promise. 

I am homeless in need housing and this balance still shows as bad debt/collection with a past due balance instead of a {$0.00} balance .Now I am screwed out of my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-13
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 First Premier Act. # XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 Cc XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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 Convergent Outsourcing XXXX in accordance with the Fair Credit Reporting act Convergent Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: ALLY FINANCIAL INC.
State: MI
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:
Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX  XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX  >> XX/XX/2022 XXXX. XXXX XXXX XXXX  >> XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022 XXXX. Ally Financial XXXX XX/XX/2022

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00}

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DP OF EDUC # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : has violated my rights. 

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

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

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 2023-11-24
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Myloancare had experienced a security breach at their site : https : //www.loancare.com/ Customer are unable to login in their accounts. Furthermore, myloancare has failed to notify customers the only way I found out was by doing a XXXX search and finding out on a message board. Not being able to access the website prevents the customer from making payments, changing payment details and finding up to date loan information. You all should investigate this and hold myloan care accountable for first not notifying customers and then second not taking steps to protect customer info and the prevention of access to loan information.

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 2022-11-26
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-07-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my Chase Sapphire XXXX credit card ( XXXX ) and paid my Annual Fee of {$95.00} on XX/XX/2022. Chase closed my account without reason shortly after ( less than a year ). I requested my annual fee back and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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