BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has closed the following XXXX, XXXX, XXXX, XXXX, & XXXX. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX  XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX  XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX  XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX  XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX  XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. 


Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-23
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This company Goodleap has failed to take automatic payments from my debit card for over a year now and in results have been reporting to the credit bureaus late payments I have recently claimed bankruptcy and I explained to this company that since Covid I have been dealing with financial issues I have finalized my bankruptcy and was told by this company that even if I was in bankruptcy and I did or did not include them in the bankruptcy which I didnt claim them in the bankruptcy, I am continuing to pay them and I am in good standings, they said I am no longer to be put in for automatic payments and that they are not going to help me resolve any credit issues I had asked them in good faith and transparency is there anything I can do and they had said no I am being discriminated against I feel like my financial situation is the reason why they are treating me this way I had spoke to an individual who is a manager her name is XXXX XXXX I had asked her to please provide me this information stating that they are no longer able to except payments from me because I am bankrupt she said this is her company policy she had also stated there was nothing I can do and no one else to talk to and whoever I talk to is going to tell Me The same thing. I explain to her that I do feel like she is targeting me because of my financial situation I explain to her that I am current on the account and Im just trying to get answers she explained that I need to email her to get any answers answered and that she is not going to transfer me to anybody or let me get any help from anywhere else I also ask for a supervisors name which is XXXX XXXX I have yet to receive a call or any feedback from her I was told she is aware of the situation and was going to contact me, discriminating against me for my financial situation that I have no control over is illegal and wrong and I will pursue this if need be legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this on XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Also this company never gave me paperwork informing me that I have the right to Opt out of these items being reported to my credit report. That is deceitful and against the FRA LAWS. please see attached invoice for the remedy of civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have over XXXX dollars in my account from cash app, due to that being where I get my funds deposited from my job as I work for XXXX. I was not notified before a lock was placed on my account, I got off of work at XXXX after working XXXX hours, just to not be able to access any funds on my account, Cash App refuses to release my funds to me as they refuse to provide an explanation as to why my funds are still not released after verification process has been done. Cash app does not have proper customer service hours in order to get a proper resolution, as I told them it is illegal to hold funds, they disregard my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolvedXXXX XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXXXXXX XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2018-10-02
Company: Dealer Funding, LLC
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:
I NOTICED THAT XXXX XXXX PUT A CHARGE OFF ACCOUNT ON MY CREDIT DUE TO A BALANCE THAT I DONT OWE. I CONTACTED THE XXXX XXXX  AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER HAD A CAR WITH THEM BEFORE THEY QUICKLY APOLOGIZED AFTER I WAS ABLE TO SHOW MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THE XXXX XXXX SAID THEY DIDNT CARE THAT I DIDNT HAVE A CAR WITH THEM & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER HAD AUTO LOAN. I ALSO WANT ALL OF MY POINTS BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE THE LOAN WAS GENERATED. XXXX  has the police report and refused to remove it.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-16
Company: Nelnet, Inc.
State: MI
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:
Nelnet keeps auto charging more than once a month. I have my auto payment set to one-time payment. Tried calling them and wait time is close to 2 hours. It is not fair to be charged more than once when only one payment is scheduled. Their website is not showing payment history. Nelnet is a joke and needs to be reprimanded for what they are doing to students. A lot of posts are online from people who are experiencing the same issue. In XXXX and XXXX, there were two charges when I only scheduled one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: U.S. BANCORP
State: CO
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:
I have an old late pay on my account that is since closed but i don't ever remember having it. I am always set up on automatic payment so I'm confused how this late pay is on my report. I have tried contacting them to get it removed. The address they have for me isn't even an address i had. Can you help me to get this removed as it is damaging my credit score and keeping me from getting the best interest rates.

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 2023-02-12
Company: LFG Data Services Holdings, LP
State: GA
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 the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Albert Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/22, I signed up for a bank account with Albert. I clicked through my friend 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " AlbertXXXX XXXX  shows the requirements for receiving the bonus. 
The attached " AlbertXXXX XXXX XXXXXXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " Albert_XXXXXXXX '', '' AlbertXXXXXXXX '' shows that I've met these requirements within the terms & conditions. 


I reached out on XX/XX/22 about not receiving the bonus, and received a canned response, shown in " AlbertXXXXXXXX XXXX', '' Albert_XXXX  '', '' AlbertXXXX  '' Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my friend and I can receive our bonuses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Early Warning Services, LLC
State: CA
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:
I received my report from Early Warning system and there are 18 different accounts that I didnt open under my information. Some accounts have addresses from Alabama some accounts have an entirely different social security number but its tied to my drivers license. This is honestly so scary that an agency can damage your credit with inaccurate information without any consequences. The accounts in question are : XXXX ( XXXX this account is with an different SSN ) XXXX, all XXXX accounts XXXX account numbers : XXXX. This is actually ridiculous. I have attached all verification documents to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NV
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 2023-02-23
Company: Zions Debt Holdings
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX, XXXX XXXX XXXX to collect {$420.00} from a service they never provided me alleging they bought XXXX XXXX XXXX XXXX XXXX XXXX whom I ended the 3 year term contract for failing to repair damaged equipment, as security cameras, door and window sensors. Notification was mailed 1 1/2 month prior to the end of the 3 year contract term to avoid another year auto extension. XXXX collections companies had tried to collect and had been removed from my credit report but they still affecting my credit by submitting the same collection under different collection company. Now XXXX has dropped XXXX point ( from XXXX to XXXX ) of my XXXX XXXX due to this nonsense action. XXXX, XXXX and XXXX already received this collection in XXXX under XXXX XXXX XXXX. In XXXX XXXX received it under XXXX XXXX. Every time the credit agencies remove the collection another collection company report this fraud to the agencies and affect my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern, This letter is to inform of misconduct and poor business practice on the part of our mortgage company, Caliber Home Loans. 
Three years ago, new to the area, we chose Caliber as our mortgage company on the advice of our realtor. At the time they had an office locally where we could have any questions resolved without incident. Our checks were due on the first of the month but not considered late until the XXXX of the month. In XXXX 2016, we received word that Caliber Home Loans was incorporated and we were to hence forth send our checks to XXXX Texas. The local office was closed. 
On XXXX, XXXX 2016, I received a call from a representative of Caliber stating my check had not arrived. 
While on the phone line I reviewed my internet checking and discovered the check had indeed arrived at the post office in XXXX on XX/XX/XXXX. 
The man assured me they had not received it and ask me to stop payment on the check and wire their payment. 
I drove straight to XXXX XXXX XXXX XXXX XXXX ( FCU ) and requested a stop payment on my check. 
While in line at the FCU to wire the funds I checked my Caliber account on my phone and lo and behold the check had been received. 
I immediately returned to the bank officer and cancelled the stop payment and returned home and called Caliber to inquire about the payment. They confirmed receiving the check. 
Two days later Caliber called back and stated they had not received my check. 
I explained in detail what had occurred and they at first suggested the check had insufficient funds and then after heated discussion suggested the check was a " stop payment. '' I contacted my XXXX and they assured me no one had ever attempted to deposit my check. 
I again contacted Caliber demanding to speak to a manager and expressed concerns about the company 's accounting practices endangering our credit rating. 
She was very rude, offering to email me a link to XXXX. I suggested that perhaps she needed the credit counseling. 
She finally informed me that even though they had never submitted the check for payment it had ( inadvertently I assume ) been stamped " stop payment '' and they would require another check and assured me my original check would be returned to me ( it never was ). 
She also assured me the incident would not be reflected on our credit. 
I complied and sent another check for my XX/XX/XXXX payment and the next day sent our XX/XX/XXXX payment early to avoid repeat confusion. 
Last week we received word from a credit agency that our credit rating ( both in the XXXX 's ) was compromised by a complaint from Caliber Home Loans. 

I urge you to investigate Caliber 's business practice and chastise them for their wanton disregard of their customers and insist on having our credit rating restored to its former state. 
Yours Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: TN
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. 

XXXX  # XXXX, XXXX ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation