BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a parent of a student who attended the school between   XXXX   to   XXXX   or so.. from what I can figure out base on my conversation with navient is my son loans were subsidized and unsubsidized. i believe the parent plus loan amount of   XXXX   from distribution dates as follows : PER  NAVIANT  PARENT PLUS LOAN   XXXX   XXXX   XXXX   ***1st son --   XX/XX/XXXX - $   XXXX ** XX/XX/XXXX - $   XXXX  **  XX/XX/XXXX  $  XXXX ** XX/XX/XXXX  $  XXXX **total  {$23000.00} AND  XX/XX/XXXX - {$10000.00}     XXXX   XXXX   XXXX   XXXX     -2nd s on only had this parent plus.    CONSOLIDATED   XXXX    {$26000.00} CONSOLIDATED  XXXX  {$10000.00} FOR TOTAL OF {$36000.00} @ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SON ACCT CONSOLIDATED   XXXX   TOTAL {$24000.00} AND  XXXX  TOTAL   XXXX @ XXXX   INTEREST RATE..I BELIEVE THE  XXXX  ACCTS ARE  ONE  IN THE SAME ...   XXXX   UNDER MY SON 'S NAME AND  XXXX  UNDER MY NAME. NEED SOMEONE TO ANALYZE BOTH LOANS. WE ARE BOTH CURRENTLY PLAYING ON THE TOTAL AMOUNT OF THOSE CONSOLIDATIONS OF   XXXX **   XXXX   AND  XXXX  ** XXXX .    ACTUALLY LOANS DISBURSED   XX/XX/XXXX   TO ABOUT  XXXX  THEN TRIED TO CONSOLIDATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on my credit report I want you to know that I understand my financial obligations, and if it werent for covid 19 and the pandemic I would have been an exceptional customer. unfortunately I suffer from an XXXX XXXX and each time I had XXXX XXXX it was very hard to recover. Between XX/XX/2021- until now I have had XXXX 3 times. Causing me to be out of work on and off which lead to me being laid off. I made a mistake in falling behind, but since then, I am officially a career employee at the postal service no longer temporary. I am healthy and making a very good income that is stable and permanent. I know based on the cares act and based on the 15 us code 1681 s-2 late payments during COVID late payments were not necessarily being reported to the credit bureau XXXX there was an agreement with the creditor. However I have late payments through the whole duration of COVID 19 even with speaking with XXXX and applying for loan extensions. All XXXX that I spoke to said it would not reflect on my credit. 
Im planning to apply for a home loan and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments for that duration. I also I have proof that prior to coming to capital one which was right before COVID hit I had a vehicle loan with GM XXXX and I was never late ever. Covid really took over for me. I am also willing to pay for deletion as well. 
Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Case number : XXXX On XX/XX/XXXX, I sent an email to XXXX XXXX department and asked for explanation as to why a chunk of important bank information was missing from the XXXX  transfer receipt. The next day, they recalled the money back from Wells Fargo and on XX/XX/XXXX, a new XXXX transfer receipt was issued with wrong amount for the recipient. On XX/XX/XXXX, I received a letter from Wells Fargo asking me to pay XXXX XXXX XXXX  transfer fee plus taxes and XXXX XXXX for XXXX policy. Ive already paid these fees and I shouldnt be paying them again. Subsequent email to XXXX XXXX  department to rectify the amount for the recipient and to keep the original numbers went unanswered. 
I gave XXXX XXXX department clear instructions on XX/XX/XXXX and I can not believe so many mistakes were made.

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 2023-06-20
Company: Experian Information Solutions 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:
I did not consent to credit pull from 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION, XXXX has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX XXXX XXXX  stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. next issue inconsistencies in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed

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 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 requested a credit balance refund for the amount of {$2100.00} more than 1 month ago and I still have not received the refund despite multiple calls to Bank of America. I'm attaching my two latest statements showing the credit balance.

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 monetary relief
Consumer complaint received 2021-07-29
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Regarding CITI bank credit account in my name, I got a court order to prove the debt does no matter to me. I did forward the court order to CITI BANK by email on XX/XX/2021. I requested Citi bank remove adverse records from my credit history. 
Citi bank stated resolved in 15 calendar days. However, afterwards, Citi bank has been silent till now.

Citi Reference Number : 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 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
At XXXX on XX/XX/XXXX, I was eating. Suddenly, the phone kept ringing continuously, and there were always transactions reminders for the BOA credit card. I was taken aback. I saw there were so many transactions from XXXX at the same time. Subsequent transactions were automatically declined by the bank because of too many. I know the credit card was fraudulent. I cantacted the bank to cancel the credit card and send me a new card.Then I contacted XXXX customer service and told them the transactions were not made by me.They canceled most of the transactions. There were only two transactions of {$99.00}. The customer service said that they were membership fees, and let me log into the account to cancel them by myself. But I didn't know what the account was and I didn't purchase the membership fees. I just could contact the bank to report the fraud transactions. The bank said they would cancel all transactions. In XXXX of this year, the bank deducted the two transactions again, saying that they were normal transactions without fraud after investigation. I contacted the bank again with some more details. But the bank sent me a letter on XX/XX/XXXX, and still considered them to be normal transactions. Later I could only contact XXXXXXXX XXXX customer service to report the incident. It was then handed over to Fraud department for investigation. The fraud department requested me the proofs of my home addresses and billing address. I sent the proofs.Then the fraud department let me submit a proof of address of PA.But I did not know the address.I never left CA.The address was from the account of purchasing membership fees.I have checked the address was of a XXXX restaurant.I did not know the restaurant.The XXXX customer service told me the user name of the account is XXXX.I did not recognize the account. I just made sure that my card was stolen and used to spend two {$99.00} on XXXX. All of the transactions were canceled except for the two transactions. I could support the message of the fraud transactions.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-02
Company: Jon Barry and Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, Paragon Revenue Group sent a collection notice to my home address. Around that time, Paragon Revenue Group was leaving daily voicemails regarding the debt. 

Payment for the the debt described in the collection notice was remitted to the original creditor in XX/XX/XXXX. Per the debt notice, I sent a letter to Paragon Revenue Group stating that the debt was paid. I also included the following in the letter : " Be forewarned that this debt has been paid in full, and any attempt to falsify verification of the debt or obtain a judgment without proper evidence will be in violation of 807 of the Act, False or misleading representations, and therefore subject to, 813 of the Act, Civil liability. '' Approximately 10 days later, Paragon Revenue Group responded with a letter stating that they verified the debt by consulting their records and that the debt is still owed. 

This statement, if not read carefully, may be interpreted as their actually verifying the debt. It is misleading. I suspect they use the same language with other consumers who probably do not owe the debt but pay anyway because it sounds as Paragon Revenue Group actually verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
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 checked my Equifax credit report and found a charge-off on my report FOR utility service at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have never lived in XXXX XXXX XXXX XXXX I live in XXXX, Texas XXXX this much be identity theft or fraud. I have no business dealing with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My daughter sent me {$10.00} from her Chime account. When I received the money the advertisement showed, Join Chime today and get an extra {$15.00} automatically added to your Chime Checking Account. I joined XXXX XX/XX/2023, but I never received the {$15.00}. I called a couple days later and spoke with a representative that said I would receive the funds the following week. I never received it. I called today and was given the complete runaround and was laughed at because I was inquiring about {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NV
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. Was sick with XXXX  for 9 weeks an I got behind on payments one account Ive disputed several times. Still on my report. Im XXXX XXXX XXXX my score dropped because accounts were closed an reported late Please help I need the late payments removed

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 2023-04-11
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When I was taking out this loan at XXXX XXXX  XXXX my financial aid advisor at XXXX XXXX, I was told that I will not pay any loan until when I completed the program and 6 months after completion. I began to see a notification from XXXX XXXX XXXX to pay XXXX monthly, between XX/XX/XXXX, I have made multiple attempts to pay the XXXX and this payment was not accepted there was enough money on the card. I used a different card to make pay and multiple attempts no money was taken, I called the loan company and advise on the situation. I had the XXXX XXXX, I wasn't able to go to a store, and my family after the other was affected. The agent XXXX XXXX XXXX attempted to take money from the card which presented the said issues. I had received a new card which I called the XXXX XXXX XXXX company to take the payment, the agent did an auto payment for me and assured me that the payment went through but all that time I realized that for those months no funs was taken out my account. By the time I was notified by the financial aid advisor is was late for me my account was in collections agency ( XXXX ), which never sent me a notice or a phone call about this account. I had not received any calls or notice of this collection. I was told later that I was 5 months behind XXXX of XXXX, I reached out to the collection agency only to find out that I owed XXXX. Now I am facing financial hardship and unable to make that kind of payment, which affect me to complete my degree. It is a very distressful to know that I tried to pay that fee and It was taken out my account now of 5 months missed payment It increased so fast to XXXX, which I'm so stress and confuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ACT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company 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 2022-03-11
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient called an left messages for my decease brother to call them about my XXXX XXXX student loan. 
Navient called my wife, with out my authorization about loans before we were married. 
Has never sent any written correspondence about the loan, but seems to be able to call and locate relatives and has a current address. 
Has called my cell phone even after being ask to not to call my cell. 
All the above and yes I may be a payment or 2 behind d but am paying. Why keep calling relatives, they know where I am. Do they want law suit for violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nationstar Mortgage has added two of my payments in the same month which threw off there system and I have been getting late payment notifications and harassment calls ever since. The worst part is they have ruined my credit score from 800+ to below 600. And now I can not get approved to invest in anymore real estate. I have never missed a payment and they refuse to address the problem. Next step is small claims court! **All payments have been saved and recorded since day 1 showing I have never missed a payment. All documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Account information incorrect

Complaint:
I told the Experian, XXXX, and XXXX to reinvestigate those accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. As this is in Violation Of 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft and under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 

1. Account Name : Unknown Account # : XXXX 2. Account Name : Unknown Account # : XXXX 3. Account Name : Unknown Account # : XXXX 4. Account Name : Unknown Account # : XXXX 5. Account Name : Unknown Account # : XXXX 6. Account Name : Unknown Account # : 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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid XXXX balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed -FACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff CYA! As for the CFPB brothers in the same cause - useless farce.

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