BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient systematically and illegally failed borrowers at every stage of repayment which led to lawsuits. They have falsely put 4 separate inquiries on my credit report and have docked interest on every one of them which has caused my credit score to  dramatically lower which stops me from financing a home for my family. On XX/XX/2016 there was an amount of {$6000.00} which is now {$6800.00}, Also on XX/XX/2016 there was an amount of {$3500.00} added to the report which is now at {$3800.00}. On XX/XX/2016 there is an amount of {$660.00} on the report which is now {$730.00} and another report on XX/XX/2016 of {$500.00} which is now {$530.00}. My graduation date was XX/XX/2016 which would make this information incorrect due to the fact that repayment would not take place until after the graduation date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Seterus, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello We are in desperate need of help with our mortgage servicer. The name of the company is Seterus. We feel this company continue to treat their clients unfairly. They have continued to do so, because no one is holding them accountable. If you look at their reviews from every site, the reviews are terrible and the stories are very sad. This company places your funds into an suspense account and make up ridiculous fees in order to apply the funds to it. They keep applying an NSF fee, which we took care of months ago. Then there is property inspection fees even when your loan is current. They also state the loan is past due or not current, it's like when you pay the amount they say is due, they find ways to say even more funds are needed. We have called several times to get an explanation of fees and how they apply extra funds. Each and every time, the call last at least an hour. The representatives have never been able to give us a clear explanation of fees/overages. They place you on hold for extended periods of time then transfer you to another rep, who is unable to explain fees or answer questions. 
[ We have spent months looking at their reviews and again, it breaks my heart how this company is behaving. This prompt me to file a XXXX case, which is still somewhat open. Seterus response was that they are not doing anything unethical ... ... Even the report they provided is unclear regarding fees. A customer relations rep, XXXX XXXX responded to XXXX, denying allegations. My response back to XXXX, was why should we believe her, when her voicemail greeting states she will be back in the office on XX/XX/XXXX, we are currently inXX/XX/2018. Why haven't her manager held her accountable regarding voicemail greeting. After bringing it to the XXXX attention, Ms. XXXX updated her voicemail greeting, but I was able to allow several people to listen to voicemail greeting as proof. We even told the company they could possibly feel the wraft of government officials and appear before XXXX XXXX, but they continue to deceive customers. 
Again, we know you along with your staff is very very very busy, but please please please help us with this matter. If you can not help, please please please point us in the right direction to get some help for us and many others being BULLIED by this company. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop.

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked.

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment.

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense.

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with Forster & Garbus. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact XXXX directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called Forster & Garbus incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes.

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I was victim of fraud XX/XX/XXXX. Fraudsters opened accounts in my name. I had lost my capital one credit card at Walmart. It fell out my purse didnt know this. As result charges were made on my card that I didnt make.I hadnt used my capital one card in years and it had XXXX balance at the time this happened. All charges on this card totaling XXXX were not made by me. I have disputed with capital one who claims it was me but will not provide me with evidence they have proving it was me other then statements with charges on it. This doesnt prove anything. I have provided police report and anything else they asked for. Im asking for this to be resolved ASAP this has been going on for years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never had this account. I believe that somebody used my personal information and applied for this. I'm not responsible for any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I would like to make a formal complaint concerning Capital One and the QUICKSILVER CARD Recently, I logged into make a payment. While on the site the last few months I have seen the offer for {$200.00} after spending {$500.00} bonus. As my card is new, opened in XX/XX/2021, I thought this applied to me. It has been on the dashboard since the card arrived. Today, I thought perhaps I needed to apply additional information to receive the bonus. Instead, I apparently applied for a new version of the same Quicksilver card? 
Please understand that it is not clear that application is for a new card, which I did not know could exist for the same QUICKSILVER product. Unfortunately, my credit report has now been hit with an inquiry because I did not understand nor intend to apply for this new card. 
I hope this feedback will help someone else not make the same mistake. Please note, I am a graduate student at XXXX XXXX in XXXX, but this was harder to understand than my coursework!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: AES/PHEAA
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Balances showing {$200.00} and some dollars. Was report by FedLoan Servicing however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: BARCLAYS BANK DELAWARE
State: SC
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:
Please do not block the name XXXX XXXX because ultimately, this complaint about Barclaycards involves both parties. On XX/X/17 A payment posted to our credit card for XXXX XXXX Plus Membership totaling {$49.00}. The credit card previously did not have a balance but with this was a {$25.00} late fee that we did not understand either. We immediately called the cc company because we have been trying to break our ties with the timeshare pyramid. For about 15 min I tolerated the representative telling me that there was no way she could reverse the charges and how I would have to get in touch with XXXX and find out why those charges were made. REALLY??? How I would have to submit some form regarding a charge dispute that could take up to 45 days. No Way I 'm not paying and if i didnt, I get late charges and interest and who pays that? You do ma'am. After the second demand to let me speak to a manager I finally spoke to XXXX. She too insisted that she could not refund the money. So I informed her that I was aware of the scam that was running between them and XXXX. It starts from the sales pitch when the strongly encourage you to get the c with Barclaycards to take adv of the reward points to use towards maint. fees. You guys work together and when XXXX cant get money from people that refuse to pay another fee for something they ca n't use you guys provide them a way to get it. Then, just like that my money was refunded, the {$25.00} late fee was waived and the acct was closed like we asked. I then asked for documentation that the fees were reversed and that all of it would be forwarded to the fraud department. There /was no way she could provide any documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: I.C. System, Inc.
State: GA
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:
In XXXX of 2020 I reported to all three credit bureaus and many creditors ( I.C. Systems being one of them ) that several accounts were fraudulently created in my name while I was away. I provided information of who I knew to be responsible along with a police report, FTC report and an intake and release report from the institution I was held in. I.C. Systems received all of this information. An investigation was done and the item was removed from my credit report by XXXX of 2020. On XX/XX/2020, I.C. Systems knowingly re-reported the fraudulent debt to my credit report. When I called for answers, the same day, they expressed that they did not have any of my identifying information such as my date of birth, last four or full social, or a correct address on file. They refused to speak to me any further unless I verified the debt. That same afternoon, I disputed the account with XXXX. I tried to dispute through the IC System website, but it asks me to input personal information they've already admitted to not having. So today, XX/XX/2020 I typed up a credit dispute letter to submit to them directly.

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 2021-10-12
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my XXXX saving account in XXXX 2017.They said if I deposit XXXX, I 'll get {$150.00} bonus. But I did n't. I called them, sent them messages. They replied me as below : ''Upon review of your XXXX XXXX account, I see that you have met all of the necessary requirements for the promotion offer of XXXX. Therefore, I have forwarded the information to the appropriate department for research and resolution. '' But today I got a letter saying I did n't meet all of the promotional criteria. That 's it. NO REASON! Just ''did n't meet all of the promotional criteria ''. 
They said the bonus will be credited by XXXX/XXXX/XXXX. But what weird is they failed to give me the statement of XXXX! It 's already XXXX/XXXX/XXXX, but I ca n't view my statement of XXXX! 

I love discover! They offer great deals and cashback for credit card holders. But it 's so frustrating this time! 

I 'll attach some screenshots as proof of my deposit and their response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
State: NV
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:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX Credit Report Changes Addresses added to XXXX Identity theft Money Mule Scheme/ Do not use XXXX XXXX needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX. 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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 2020-09-24
Company: EQUIFAX, INC.
State: NC
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 spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
EXPERIAN RE : BANKRUPTCY DISMISSAL I HAVE BEEN DISPUTING A CHAPTER XXXX DISMISSED CASE WITH EXPERIAN FOR 3 YEARS. MY CHAPTER XXXX WAS DISMISSED BY NO FAULT OF MINE. BUT BY THE JUDGE ( SEE ATTACHED IN MY EXPERIAN FILE ) I SUBMITTED LAST MONTH. THE JUDGE DISMISSED DUE TO INACCURATE AND TIMELY FILING OF PAPERWORK FROM THE ATTORNEY XXXX XXXX. AND HE DISMISSED MY CASE BEFORE THE HEARING. AND REFUNDED ME ALL MY MONIES I SUBMITTED COPIES THRU CFB COMPLAINT LAST MONTH EXPERIAN SHOULD HAVE THE COPIES IN MY FILE. HOWEVER EXPERIAN STATES IT STILL HAS TO REMAIN ON MY CREDIT FOR THE DESIGNATED TIME PERIOD I AM REQUESTING THAT SINCE THIS BANKRUPTCY WAS DISMISSED AND NO HEARING TOOK PLACE THAT EXPERIAN DO THE FOLLOWING SINCE THEY WANT REMOVE. 

ADD A AMMENDUM ON MY CREDIT FILE STATING ( BANKRUPTCY NEVER TOOK PLACE )

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