BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Over the past seven years, I have diligently repaid my federal Direct Subsidized and Unsubsidized student loans each month. I have never missed a payment. I have stayed in good contact with my service provider. I have never deferred or been in forbearance. When I can, I pay more than what I owe each month in a sisyphean attempt to repay my loans faster. 

In those seven years, my service provider has changed at least three times. Currently, both of my loans are serviced by Navient. 

At every turn, Navient has been unhelpful, rude, cruel and has made it as hard as possible to make payments, to reach them, to ask simple questions and to get crucial information about my loans. Currently, they refuse to accept a payment via debit card, over the phone or on their website. The flimsy reason they offer is that my account does not have an outstanding balance, though I should be able to repay my loans at any time and in any amount, regardless of what is outstanding. I should never be punished for making payments on time every month. They also refuse to allow me to apply my overpayment directly to the principal balance, or to XXXX loan specifically, as is my right. It feels illegal, icky and wrong. 

In light of the lawsuit filed on XXXX XXXX, 2017 by the Consumer Financial Protection Bureau for " failing borrowers at every turn, '' I would like to share my experience in the hope that it strengthens your suit against this vile company, who feeds off the misfortune and ignorance of XXXX 's educated young people. I will call your attention, specifically, to this paragraph from the press release regarding your lawsuit : " [ Navient ] Fails to correctly apply or allocate borrower payments to their accounts : As soon as a borrower begins to pay back their loans, student loan servicers are supposed to take a borrower 's payment and follow instructions from the borrower about how to apply it across their multiple loans. Navient repeatedly misapplies or misallocates payments -- often making the same error multiple times over many months. The company all too often fails to correct its errors unless a consumer discovers the problem and contacts the company. '' I am XXXX of the borrowers they have failed in this regard and I want out. Immediately. I want them to be held responsible for failing me and others like me and I want my loans serviced by a company that does not prey upon its customers like lions on weakened gazelle. 

Given the atrocious level of service provided, the pending CFPB lawsuit, the current-good standing of my loan status and my impeccable credit score, I have formally requested to change service providers through the Ombudsman of the Department of Education. Though, I 'm sure there will be a XXXX reasons why I do not have the right to make that choice. 

Please take Navient to court and represent all of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is the rental management company for the apartment complex XXXX that i signed a 1 year lease with and set up auto debit for rent payments. they served me with a 3 day notice to vacate due to non payment. after i proved they had debited my account for the rent the property manager XXXX called me and insulted me and called me names and let me know i was n't welcomed there anymore. so i moved out due to a tremendous amount of XXXX and anxiety they caused me.now they are charging me for the amount of time it took them to rerent the apt.they reported me to the collection agency ncc business service in XXXX fl

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 2023-04-29
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX. It was {$9200.00}, I had put down {$1000.00}. I financed with a bank called Westlake Financial. When I had first got the car I had notice that the air bags didnt work, I tried to reach out to XXXX XXXX via email and didnt get no response. Over time I had to replace certain items of the car such as the brakes, battery and engine. And the alignment is off on the car which means I cant drive safely on the highway I had went to a XXXX Dealership because I was looking to trade my car in for something else due to the XXXX break ins, they informed me about how much my car was worth and told me since I had several crashes on the car, my car value will decrease, I was completely confused because I was never informed about crashes in fact the Car dealer told me that nothing happened to the car it was ready to drive off the lot. I tried to contact him and he basically said it was nothing he was going to do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time I had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over 100 points. The second company is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of XXXX. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reported account past due on two occasions XX/XX/2022 and XX/XX/2022 incorrectly. Account payment made and not posted using checking account authorized Provided documentation of company error on 2attemptXXXX and no response or correction made. Filed dispute with credit bureaus and did not receive response within required time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX 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 2015-06-08
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Credit determination

Complaint:
I applied for their credit card on XXXX/XXXX/2015, and I was approved instantly for the credit limit of {$21000.00}. I received a letter stating my credit score of XXXX using the Experian as their source about five days later, and I received their card about a week later. I believe I received the card on XXXX/XXXX/2015. 

I used the card on XXXX/XXXX/2015 and XXXX/XXXX/2015. On XXXX/XXXX/2015, I used the card and had a decline. I called the number on the back of a card and, and the regular customer service forwarded me to a fraud department. The fraud department representative told me that my account is under a review since the last purchase on XXXX/XXXX/2015. The reason for the review is unknown, but they will have an answer between XXXX - XXXX. I called them back between these time frames. After 1 hour of waiting to talk to someone, I talked to XXXX of the fraud dept. customer service rep. The rep, XXXX told me that she does n't know what the another fraud dept. rep. told me, but the review will not occur on weekends, only on business days ; thus, I will not have any information what-so-ever until Tues, XXXX/XXXX/2015 the earliest. She also told me that my account went under the review on XXXX/XXXX/2015, XXXX, and the review was placed manually by a human being. There was no note from the person who placed my account under this review. She said that most likely suspected fraudulent activity put my account on the review ; however, when I asked why I was not notified of the suspected fraudulent activity on my account, she said that the review and suspected fraudulent activity are different. Thus, they are not obligated to let me know what is going on. It makes no sense because she established the connection that most likely the suspected fraudulent activity put my account on a review. I am tired of this bank making up a story as things progress. 

I was upset and started to look into this kind of the issue with BBVA Compass bank, and I found some information at XXXX : XXXX Apparently, what I experience is not an isolated incident, but occurs rather frequently with this bank. And, in order to get an answer from this bank, I must get help from an agency like CFPB ; thus, I am doing so now just to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
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:
In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX  and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from USAA accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. USAA sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX Since XXXX USAA has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was making my payments on time. Covid hit my family in XXXX of 2020. I contacted the company and they said covid relief was available. I made payments in XXXX XXXX XXXX. Now they wont let me make the payments I missed. Raising my interest to 9.5 percent and extend my loan to 40 years. They will not take my payments and wont let me make my missed payments. Specialized Loan Servicing.

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 2023-06-17
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI
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:
I have no knowledge of these accounts. And it needs to be removed from all XXXX credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private 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 2023-01-18
Company: Experian Information Solutions 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:
I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out. 

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: NC
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, XXXX XXXX Account 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 an account without my written instructions.

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 2023-06-14
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:
I have reached out to the credit bureau several times in regards to open accounts that do not belong to me. The following accounts do not belong to me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
These disputes were send out XX/XX/2023 and no response and causing me to not be able to purchase my home. I need this to be removed Immediately. Name is showing inaccurate which should only appear as XXXX XXXX and my only address is that should appear is XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. If not removed further action will be taken. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-07-22
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a secure card for Discover, I made a deposit of {$200.00} and after a long time I received my card. I unlocked it and tried to use it, but I was not able to do so, because they put my account in a credit bureau fraud alert ( I have no idea why they did that ). Then I called them, tried all possible ways to use the card but without success. But after that, due to this difficult to use a simple credit card I asked them to close the account and refund my money on XX/XX/XXXX. Since then, I'm trying to talk to them by message, because I can't talk to then using the phone, but they never give me an answer about when my refund will be issued. All that I want is my money back and they never give me the information when they will do that and how this will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian, has been allowing an unknown 3rd party to edit the data on my credit membership account. Someone has added an unknown Pin to my account changed my profile address on multiple occasions and now for over 45 days I have been unable to access my PAID Experian Membership account online even with the correct login and password and several attempts to access the account by paying the {$19.00} that they say that I owe them. It never takes the payment from any debit or credit card that I try to use. 

My credit score has dropped over 35 or more points during this time that u have been unable to access the account or my credit report. They are reporting addresses and accounts that have not been validated or verified and I DON'T HAVE ACCESS TO ANY OF IT. 

I called today to their customer service office and spoke with XXXX agents, XXXX # XXXX - He said he reset the account and cancelled the membership and it shoukd be accessible by me within XXXX mins. I still am unable to login to my account and am stuck behind this fake paywall. 

XXXX # XXXX - He was asked to file a dispute on an unknown file that keeps being added to my account, and then after asking me for my current address, UPDATED my address without my knowledge which then left me unable to Verify questions or an unknown Pink number that he claims has been on my files since I made the account. I have never placed a pin number on this Experian account. So now I am essentially completely locked out of my Experian credit file for 3 days he says until the system can generate new security questions. What in the entire **** is going on here?? 

Agent # XXXX - A COMPLETELY unhelpful " Supervisor ' with a terrible attitude and no information to give me on A. Why can't I LOG INTO THE ACCOUNT ONLINE ON MY SIDE B. Where did the account pin come from? 
C. WHEN WILL I BE ABLE TO LOG IN TO MY ONLINE ACCOUNT AGAIN?

D. WHY does a PAID Member NOT have " Security Questions '' all of a sudden? 

She proceeded to hang up on me because I repeatedly asked her these same three questions. This is absolute unfair and I am at my wits ends with Experian and XXXX  and their fraudulent reporting behaviors and data privacy hacks and leaks. 

This is like my XXXX complaint. Meanwhile, I STILL can not access my Experian Credit information XXXX + days later.

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