BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am XXXX  XXXX. Navient cancelled my private student loans. Yet one private loan sits in repayment. I keep getting emails directing me to call Navient. I do not have a telephone, I can not " telephone '' Navient. It seems like Navient is just placing me in a XXXX. I have sent whatever documents have been requested, for a XXXX XXXX XXXX ( XXXX ) discharge. Yet I keep getting, emails requesting me to visit their website, to view bills. Zero updated response to my re-submittance of XXXX   documents. Why is Navient not responding, by acknowledging that they received my XXXX paperwork, more than once. That paperwork was mailed with the following tracking number ( XXXX ). Its status is delivered : XX/XX/XXXX at XXXX XXXX Delivered, Left with Individual XXXX XXXX, PA XXXX How many times must I submit XXXX   papers. I re-sent those documents on XX/XX/XXXX. I have that second tracking number buried somewhere, that reported its delivery. As mentioned, repeatedly, Navient has received and approved my private student loan total XXXX  XXXX cancellation. But still has one loan as past due within its system.

Navient knew one year ago that I had been approved for XXXX at the federal level, but, had me resubmit XXXX paperwork for my 2 private student loans, as if Navient did not have both Federal and private loans under the same account number. Of course Navient sent a Litigation Review Pending letter, which made Navient look extra-special. My account was placed on a XXXX  XXXX hold on XX/XX/XXXX. The day it received my certified mailing of its latest XXXX paperwork request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 request that you eliminate the erroneous late payment from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX we were in our account checking what had cleared as we do most every day. We saw a pending wire transfer in the amount of {$47000.00}. We never enrolled in wire transfer and don't know the people. I immediately went to our branch and found out that someone had gone into our profile and changed the contact info which is why we had no prior notice. My personal banker told me she would check on this for me. I followed up with her and was told that i needed to come into the branch and fill out an affidavit that would be notarized by the bank. I did this an she uploaded this through there internal portal. I have been following up every few day and now, almost 3 weeks later the bank says they need more time. I believe that making a small business wait this long to get the money returned to the account is unreasonable and is an extreme hardship. I don't know what more i can do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They have not validated the debt by producing a payment history and original contract of my signature. 

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I found out about a judgment filed against me on this old credit card debt from 2011 that was purchased by XXXX XXXX XXXX. I called XXXX and they told me to call XXXX and XXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said XXXX authorized {$12000.00}. Still insane. I called XXXX and she kept saying they could not help me. I said the lawfirm said XXXX set the settlement amount. When I said it was up to XXXX she finally agreed to give me to Legal at XXXX. There was no answer from either XXXX number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to XXXX XXXX and a copy of that to XXXX and XXXX. I want the judgment released and the item cleared on my credit report. 
I assume XXXX bought the bad debt from Citibank for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from 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 2020-10-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I found out about a judgment filed against me on this old credit card debt from XXXX that was purchased by Cavalry SPV LLC. I called Cavalry and they told me to call XXXX XXXX XXXXXXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said Cavalry authorized {$12000.00}. Still insane. I called Cavalry and she kept saying they could not help me. I said the lawfirm said Cavalry set the settlement amount. When I said it was up to Cavalry she finally agreed to give me to Legal at Cavalry. There was no answer from either Legal number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to Cavalry SPV and a copy of that to XXXXXXXX XXXX XXXXXXXX. I want the judgment released and the item cleared on my credit report. 
I assume Cavalry bought the bad debt from XXXX for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan from a company called prosper. I got approved on line for the amount of { {$20000.00} } they charged me a { {$1000.00} } fee for the application fee transfer of the cash when they sent the money Directly into my checking account. 
I was already stuck with the fee but I had the loan and was ready to go, but then they made me set up my first payment back to them before moving forward. This is when I realized that their statements I was told and presented to online, in very colorful low numbers Get Low Rates Pay at your Own Pace Save Money with no Hidden Fees the Highest Risk Rating said it was only 11.68 % was all a smoke screen, after it was too late. 

I now had already paid a { {$1000.00} } Hidden feel, I now have to make monthly payments of { {$570.00} } for the next 60 months ( But I thought I got to pay at my own pace? ) and then the worst things happens and they hide this really well in your account, I notice they are charging me over 26.57 % in interest ( not the Highest Rating interest of 11.68 % as advertised ) - so here I am and now I start reading every little detail and theres no way out of it, theres no changes allowed, theres no negotiations allowed, they literally screwed me. I was under the impression they were helping me with a debt consolidation/personal loan and now Im paying more than I was before. 

I still had hope they would understand the miscommunication and we can negotiate on my behalf to get this fixed but prosper refused to bring my rate down and they said they dont work with other debt consolidation companies either and I have no choice but to pay the 26.57 % rate. 

Im sure now they will find a way to ruin my credit score too and put on a delinquent payment account because I wont agree to auto pay. 

They still have never sent a contract or a monthly statement, like I said I didnt know how much interest they were charging because they make it hard to find. 

Now after working with this amazing company that was going to make my life easier, Im spending every spare moment trying to find a way to be relieved of this contract, even if I have to get a real loan with 1/2 the  interest rate and pay it off in full or XXXX up the bad credit and file bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 I received an email advising that I was preapproved for a Land 's End credit card. On XX/XX/2021, I reviewed the email and saw there was a promotion for 50 % off your entire first purchase using the card. Seeing as I was purchasing school uniforms I thought this would be a nice cost savings. After submitting the application and receiving the approval, I clicked the link to make my purchase using the temporary card number and 50 % off promotion. There was an error on the page and I was no longer able to get back to the link. I contacted customer service via chat and was advised that I could use any of my credit cards and they would honor the 50 % off promotion on anything except school uniforms. I double checked before agreeing to the terms of the credit card that the 50 % promotion could be used on any item. The following is the verbiage used to describe the promotion on their website " Receive 50 % off your first Lands End credit card purchase at landsend.com at time of account opening ( even sale priced and clearance items ). Offer can not be combined with other promotions. '' When I advised the associate of this in the chat she sent me the following " Subject to credit approval. Valid one time only. Can not be combined with other offers. Excludes monogramming, gift boxing, gift cards, shipping, taxes, duties, Lands End Business Outfitters purchases, international shipments, and excluded items as marked. Discount will be applied at checkout. This offer has no cash value. Promotional savings may be deducted from returns. Not valid on previous purchases. Must make a purchase in the previous 12 months to receive the offer. Must have valid email address and U.S. mailing address. Accounts that opened during your birthday month will receive the offer the following calendar year. Account must not be in default. ". I responded by advising what she sent me does not reference the school uniforms and she told me " that it is listed on the webpage where uniforms can be purchased next to the 'color ' option. '' Seeing as this was going nowhere I thanked her for time and advised I would be sending a consumer complaint. A consumer should not have to hunt around exclusions, I feel that this promotion is deceptive and misleading to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TN
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:
I am a victim of identity theft. I filed the correct paperwork and sent it in with my disputes. The paperwork has not been attached and sent to the loan companies correctly. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts with XXXX, Equifax, and XXXX  to have Identity theft accounts that are on my credit report fraudulently. i have filed a police report i have contacted creditors in order to get this rectified with no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a XXXX credit card and never lived at the address PORTFOLIO RECOVERY claims I did. They will not provide any proof beyond an account balance with this false address and a statement that they purchased the debt. I have even challenged it with the three credit bureaus and still not getting anywhere. How do I prove this isn't mine and shouldn't they have to prove it is mine?

I have only lived at the two addresses provided in the attachment and before that I lived in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: MI
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:
Someone has used my information to apply for a card that I have no clue of who it is. I have reported this as identity theft. I have attached the document for your review. Please delete this information from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: I.C. System, Inc.
State: PA
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:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2019-04-30
Company: Experian Information Solutions Inc.
State: MO
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:
Just released from XXXX XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX  XXXX {$750.00} Account 3, XXXX XXXX {$550.00} Account 4, XXXX XXXX {$690.00} Account 5, XXXX XXXX {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}

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 explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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:
people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never went to court for XXXX XXXX they tried to put a eviction on me but I never signed a lease with them I moved before they brought the property and they tried to take me to court but couldnt so they dismissed there case and now its showing up on my credit and its causing me and my children to be homeless due to this XXXX XXXX claimed they took this off my credit report but its still showing up and I want to depute this off my records

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 2022-10-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed XXXX XXXX on XX/XX/2022, and PennyMac Mortgage reported that I am in the arrears on my mortgage. I am not and was never in the arrears. I reported this issue already and am submitting more documentation that was received from PennyMac 's lawyers. 

Also, I confirmed via telephone today with PennyMac 's customer service representative that my account is current with no arrears due. Therefore, PennyMac is attempting to collect money in arrears from me that is not legally owed. 

Also, PennyMac is refusing to correct the XXXX XXXX XXXX removing the incorrect arrears. I owe no arrears to PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a store credit card but I've not been satisfied with it since it was opened. I have complained numerous times but the company has done nothing. My issues are : 1. 30 % off first purchase ( didn't receive had to complain to customer service ) 2. {$5.00} anniversary gift card tried to use but website wouldn't allow ( never able to use card ) 3. {$5.00} off when make an online purchase promotion I made a purchase ( never received discount ) 4. made a purchase was supposed to hold for 5 days held for 2 days returned to stock cancelled order even after I called the store & informed I would be there next day to pick up I'm currently locked out of my account can't make a payment or use card. I went into local store customer service 800 number verified me as card holder & showed proper id store clerk refused to assist me said I wasn't rightful card holder. About the {$5.00} promo when making online purchase I asked the store clerk she said there was no such promotion even after I showed her on my phone & her co-worker corrected her & said there was such a promotion. She was very rude & it left me steamed.

Company response to consumer: Closed with monetary relief