BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took at a private loan for XXXX XXXX University in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. I downloaded my transaction history from the website, I also asked for a transaction history to be mailed to me. Once I received both, I compared everything line for line and even double checked the payment history that I have saved. 

When reviewing the information, ever line matches with the exception of one thing, the portion of my payment labeled ( interest ) doesn't appear to be applied any where. Below is the details of the very first payment I made : Date - XX/XX/XXXX Description - Payment Principal - ( {$6.00} ) Interest - ( {$51.00} ) Fees - {$0.00} Total - ( {$58.00} ) The transaction history shows that the Disbursement amount and fees totaled - {$8700.00}. On the following dates Capitalized Interested was added to my balance XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$530.00} XX/XX/XXXX - {$440.00} XX/XX/XXXX - {$390.00} XX/XX/XXXX - {$340.00} XX/XX/XXXX - {$5.00} Bringing my balance due to {$12000.00}. Now it is my understanding that this amount includes the dispursed amount and capitalized interest. If that's the case, why after I made a payment of {$58.00}, did my balance only decrease by {$6.00}? If you remember the payment was divided into principal and interest. Where was the other {$51.00} applied? In every payment instance the amount labeled 'Interest ' isn't applied to anything. 

When I brought this to Navient 's attention, now I'm being told that I was given a complete transition history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have been dealing with an ongoing stubborn account, XXXX. XXXX XXXX. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.

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 2018-08-22
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding an account that's reporting since XX/XX/2017, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts. 

1 ) XXXX XXXX 2 ) XXXX Child Support {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of EDXXXX XXXX {$6000.00} 5 ) Dept of EDXXXX XXXX {$3500.00} 6 ) XXXX  {$1100.00} 7 )  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 2023-06-25
Company: GFS II, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I brought a used XXXX XXXX from Gateway the dealer offered a pay XXXX  years and move up to better vehicle, transmission replaced XXXX  XXXX loss job paying for rides.attemptrd to give car back dealer wouldn't accept. Sued in Municipal court, settled out of distress, Gateway harassed me after XXXX pmts, now garnishing wages.filed XXXX Discrimination against Gateway with XXXX civil rights commission, withdrew charg

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear reader, I am reporting a complaint and potentially I may even file a law suit against Experian, XXXX, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
I have tried to resolve this matter with the bureau and the companies, but was not successful.

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 2019-10-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX satellite service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from XXXX   XXXX for {$370.00} for XXXX. I disputed the charge again by calling XXXX   XXXX. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from Convergent Outsourcing for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from XXXX XXXX for XXXX. I contacted XXXX XXXX by mail disputing the debt and making the same statement as I did in my letter to Convergent. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by XXXX XXXX for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
Credit cards & accounts have passed the statute of reporting. I put in disputes with Experian, XXXX, & XXXX but the accounts still remain without explanation. Cards in question & dates closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, XXXX, and Transunion all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report

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 2022-01-03
Company: BARCLAYS BANK DELAWARE
State: NY
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 filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.

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 2019-02-25
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is reporting a collection for XXXX in the amount of {$190.00} that I do not owe because they have failed to validate it per the FDCPA. I have disputed it so many times nad nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
During the Covid pandemic, my ex-husband and his current girlfriend took advantage of the pandemic, and with everything being online, I fell victim to identity theft from him, using a photocopy of my identification card and submitted a online lease for a house, which that company did never do a face-to-face meeting or anything. He fraudulently leased XXXX houses with the same company starting XX/XX/2021. Which fell into collection and this is how I found out about it. Ive reached out to the collection agency regarding both accounts. I submitted my police report and identity theft affidavit to them, letting them know the situation which they failed to work with me. All they can let me know is that there was an online application submitted and was approved and a lease was generated, no signature or anything, proving that I was the one that actually leased it, which most during the pandemic there was no face-to-face contact and the scammers all came out to do damage. I reached out to the credit reporting agencies and they are just doing a standard verification saying that its a valid debt and Im not getting any verification of how they verified the debt or anything I am aware of my rights, and I do know that they are supposed to verify and submit prove to myself from either there or the reporting that companies. I am now we need to make a complaint towards the credit reporting agency for falsely and knowingly providing false information which is causing harm to my personal life now because I am myself Im trying to lease a property face-to-face with a real estate agent and they will not least to me because of these fraudulent charges on my credit report. 

The company XXXX Address XXXX XXXX XXXX, XXXX, MD XXXX. 
Account number XXXX and also account number XXXX I think you in advance for looking into this matter and exercising my legal right

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a previous complaint on company Sychrony Bank ( Paypal ) credit card on XXXX complaint ID XXXX XXXX. Company was not truthful about their actions taken. They claimed in their response that they attempted to call and email me to speak to me about this matter. I have no missed calls nor have I received any email from them pertaining to this issue. The company has closed this claim under false pretenses.

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 2018-06-13
Company: WLCC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have written communication between myself and the company requesting that XXXX and any other company working on there behalf not contact me by phone. The first request I sent to them to stop contacting me by phone was on XX/XX/XXXX. I sent an email as well as signed delivery letter by USPS. On XX/XX/XXXX XXXX sent an email confirming receipt of my request. I have asked that all communications be in writing. They have honored my request up until yesterday. XXXX XXXX with XXXX contacted my place of employment and left a recorded message for me. I contacted the company and asked once again that they stop calling me but was told that they will not stop calling. Stated they will contact my human resources department till the so say " DEBT '' is paid in full. I've emailed the company again reminding them not to call me. This is really embarrassing. 

All I want is for them to stop calling me as I have requested in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My coop association sent instructions by the treasurer 's email for payment of each owners ' share of {$8.00} XXXX total purchase of XXXX land lease. Mine share was {$300000.00} and wired on XX/XX/21 to a fraudulent bank account at JPMorgan Chase. The treasurers email had been hacked. My issuing bank, XXXX XXXX, filed notice of fraud to receiving bank, JPMorgan Chase. Ic3.gov complaint filed along with notification to the FB-I. On XX/XX/21 JPMorgan Chase Fraud Recovery Internal Mail XXXX notified recovery of {$180000.00}. Therefore, {$110000.00} remains lost. Aside from the question of the treasurer 's responsibility to send secure communication to the owners, does the bank receiving the fraudulent wire transfer ( JPMorgan Chase ) have any culpability in restitution? Especially when they recovered about a third of the monies taken.

Company response to consumer: Closed with explanation