BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: TX
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:
My spouse and I both have student loans that are serviced by Navient. I co-signed for my spouse 's loans. My spouse is an XXXX XXXX XXXX who had a portion of his loans repaid pursuant to the XXXX loan repayment program. In XXXX XXXX, Navient misapplied a payment received from XXXX and mistakenly paid down my loans instead of my spouse 's loans. The mistake was discovered in XXXX XXXX. To correct the error, Navient removed the XXXX {$30000.00} payment that was applied to three of my loans. It has not yet credited my spouse with the {$30000.00}. The issue I have is that Navient has now put me in a delinquent status ( having allegedly missed 33 payments even though no payments were due XXXX. They " may '' have assessed late fees against my account dating back to XXXX, and have also assessed interest dating back to XXXX. That is not right. Navient made the mistake in XXXX, and now they are asking me to pay for it. Had they not made the mistake, I would have been making payments and paying off the principal and interest. My account history for the loans shows no activity between the time the XXXX payment was misapplied and now, so I have no idea what their reasoning and legal authority is for placing the financial burden of their mistake on me. I am assuming Navient will reapply the {$30000.00} it received from XXXX in XXXX to my spouse 's account, but I question the manner in which they will do it. They should back date the payment to XXXX and only charge interest going forward from now for the corrected balance, but we will see.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.

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 2022-10-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXXXXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX, I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my Equifax report a " hard inquiry '' posted by XXXX 'XXXX XXXX  XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to Equifax and XXXX about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When they try to collect on the loan I try to set up repayment with loan with their collection department which was XXXX XXXX in XXXX Idaho when we offered to sell them at a settlement they refuse to contact this back we had XXXX XXXX sent out several emails about the offer no confirmation I made a couple of payments to XXXX XXXX then the collection stopped but they were still applying interest I try to repay again another 2 years with another collection agency we offered to pay XXXX at this time we set up payment arrangements try to contact them to begin to make payments but they refuse to contact his back now the interest is out of control looking to collect on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with XXXX 's XXXX XXXX. I have called them on several occasions I don't have the dates. The most recent interaction I had with them is XX/XX/XXXX. During this conversation I asked why the balance on my acct hasn't decreased. In XX/XX/XXXX I had a balance of XXXX I made a payment of XXXX dollars and the balance decreased by a small amount. I called then and was told the payment was mostly applied to interest. I stopped making purchases I closed the account from making purchases. I have made my payments on time and pay more than the minimum. Since XXXX of this year I have made payments totalling XXXX dollars and the balance is only XXXX. The representative I spoke with told me XXXX dollars went to interest. Then he continues to say the same ridiculous line the other have said. You signed the contract. You can pay the balance in full to avoid interest. It's the most disgusting display of a company I have ever seen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately.

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices. 

What I am demanding right now is that you guys delete both Account # XXXX and Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: MI
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 discovered that I had an outstanding bill with XXXX collection   agency. Upon calling to resolve the debt, I discovered an attempt was made to pay the debt. There was allegedly an error with the original payment method and I was allegedly contacted about the payment method error. I did not receive this contact but nevertheless paid the debt last month when I found out about it. I've called XXXX repeatedly to confirm they have reported my account as paid in full to EXPERIAN. XXXX confirms they not only reported it but have received confirmation from Experian that the collection account has been removed. IT HAS NOT BEEN REMOVED. I have waited weeks to see if it will be updated and continued calling XXXX to confirm. It is utterly impossible to reach Experian to inquire about this. 

Experian has not updated their records, however somehow they have alerted me to a " new late payment '' but when clicking there is no evidence of the late payment and the collection amount due remains as outstanding. I have tried ceaselessly to contact Experian. The Experian customer service line is an absolute joke. If you call the number on their website nobody ever answers and you are taken through automatic prompts and placed on hold, only to be hung up on. This is insanity. If I didn't know better I would assume Experian is a fraudulent company with nonexistent customer service. I implore someone reading this to attempt to speak to a representative. It is impossible. XXXX. I can not believe this is how credit reporting agencies are allowed to function. This is completely unacceptable. I understand gears run slowly when multiple agencies need to update their records. However, this is affecting my livelihood and is an unacceptable situation. If Experian has reported to XXXX that they have removed the collection account, why does it remain as an outstanding bill? And why is it impossible to reach anyone to discuss this. I have a limited time table to work with to resolve this matter because I've already taken the hard hit to my credit trying to secure a loan. I have a small window to resolve this matter and have my credit re-run to secure a better loan rate. THIS IS UNACCEPTABLE.

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 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
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:
The statement for the period ending XX/XX/2022 shows purchases of {$120.00} and a payment of {$440.00}. That payment was made on XX/XX/XXXX. There is no credit shown for the payment of XX/XX/2022. 

Not disputed : There was in fact a payment transferred from our checking account and into this XXXX XXXX card in the amount of {$440.00} on XX/XX/2022. That makes it a payment from our checking, to one of our credit cards.

Not disputed : The previous months balance was completely paid off. The consumer does not dispute this, and USAA does not dispute this. Therefore this statement is a standalone item in terms of addition and subtration.

Disputed : The mathematics of this statement. A payment of {$440.00} and new purchases of only {$120.00} should be showing that statement with a credit. Instead, it claims that money is due from the cardholder.

USAA has consistently refused to reconcile this credit card account. I have made 4 previous attempts to get this corrected. 

The 1st attempt was completely ignored ; there has never been any response.

The 2nd attempt resulted in a letter from USAA. It said said that the payment ( referenced above ) was correctly made. But made no reference to any credit owing. There is not and was not a dispute about whether that payment came out of our checking account, and went into the credit card account. But the letter was completely unresponsive to the question that was asked.

The 3rd attempt resulted in a letter with boilerplate text, but no USAA member number, no credit card account number, no dollar figures. In short, meaningless and completely unresponsive. It contained no information at all.

The 4th attempt resulted in a phone call. When the conversation got to the point where the girl on the phone stated that the credit card statement referenced above was correct. She did not use actual numbers. No adding or subtracting, not even reading the total purchases or payments. I gave up. Now I am filing this complaint, because going direct to USAA has failed 4 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting on my credit that I owe XXXX from back in XXXX but I did not open an account until XXXX and still have XXXX without any balance. I feel that my identity might of been used because I do not have a balance with XXXX and I still use them as my phone carrier.

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 2021-12-28
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE COMPANY ~ SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS ON MY CREDIT REPORT AS OF XX/XX/2021 STATING THAT I OWE XXXX. I DO NOT KNOW WHO THIS COMPANY IS AND I DON'T OWE THEM ANYTHING. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL OR EVEN BEEN CONTACTED BY THIS COMPANY PRIOR TO THEM PLACEING THIS ON MY CREDIT REPORT. I FEEL THAT DURING THIS PANDEMIC ERA THAT THE WORLD IS IN,  COMPANIES ARE TAKING ADVANTAGE  OF CONSUMERS AND DOING FRAUDULENT THINGS TO OUR CREDIT REPORT AND THINKING WE WON'T STAND UP FOR OURSELVES. IT SHOULD BE A LAW AGAINST THIS. AND IF IT'S  ALREADY A LAW IN FORCE,  THEN THIS COMPANY SHOULD BE REPRIMANDED! IT'S NOT RIGHT TO JUST PLACE THINGS ON CONSUMER REPORTS WITHOUT CONTACTING THE CONSUMER PRIOR.  ESPECIALLY IF THE CONSUMER DO NOT KNOW THE COMPANY. OR IF THE ACCOUNT HAS  ALREADY BEEN CLOSED. I HAVE NO IDEA WHO THIS COMPANY IS AND I HAVE NEVER HEARD OF THIS COMPANY UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Central Financial Control did not give proper notice either in writing nor phone call before reporting this to the XXXX CRA 's. I 've been making monthly payment and had no idea this account was in collections. The hospital itself did n't notify me when making my monthly payment that this account was in collections. The way I found out was when making my monthly payments in XX/XX/XXXX I see my FICO score drop XXXX point. I then pulled my credit reports from the XXXX credit reporting agencies which showed a collection from Central Financial Control ( SYNDICATED OFFICE SYSTEMS ). My next step was to send a validation letter since I had no idea why this account was in collections. The validation they sent me was a itemized statement not a physical contract between Central Financial Control and XXXX XXXX.I feel central financial control is practicing in unfair collection practices by not giving proper notice. It takes a long time to reach an XXXX score on your credit and for them to knock it down XXXX point is unfair. I feel XXXX is a wonderful hospital but their BILLING is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed without my consent after it was comprised by no fault of my own. I was blamed for the closure and no one would help me get my account back in order

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 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX : I contact Bank of America ( BOA ) to assume my ( 2 ) current mortgages ; both currently in my and my ex-husbands names. He is remarried and resides with his current wife in a different city. He quit claim to the property and filed bankruptcy after our divorce was final in XXXX. I continue to occupy and pay both mortgages since XXXX. BOA told me the application process for assumption is the same as the application for refinance despite explaining that I do not want to refinance. Application packet received in mail. 
XX/XX/XXXX : I complete application, attach taxes, allow access to previous tax returns, check stubs, tax bill, insurance dec page, etc ; weeks of gathering documents and signatures including signed and filed Quit Claim Deed. I have not had a late payment to BOA in years yet 'XXXX  from BOA ' claims there is no alternative but for the big bank to run a credit check, refuse my request for assumption and turn my life upside down. Instead of helping me, they hide behind red tape to price gouge me out of my home. Even go as far as renege the despicable offer to refinance based on my credit score ( which is ALL medical bills ). They will not offer any level of existing customer consideration for my explanation of low credit score or good payment history. Not sure what their end game is but to make living my current home unaffordable. I need to assume my mortgage ( s ) under their current terms, i.e. payment amount ( s ) and interest rate ( s ). I am under court order to do so and have NEVER missed a payment with BOA. Today I call to speak with anyone who could help me and 'XXXX  from BOA ' says I have no alternative but accept the rejection. There are no loan officers or underwriters who speak to customers so I am filing a complaint against the big bank who I believe can and should do better for people. I believe I read online that the law says I am not required to refinance in order to assume the mortgage ( s ) which leads my question that BOA is choosing to treat me this way. As an existing customer I should not have to seek out or pay for legal counsel to negotiate with a mortgage company.

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