BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a cosigner on a private student loan with Navient. I have reached out to them on multiple occasions about how My payments are being allocated because I have been the primary payer on the loan since XXXX. The initial loan value was approximately XXXX and 6 years later I still owe a little over XXXX. The payment was initially XXXX per month so if you do the math that is over XXXX. I feel like the private student loan companies are stealing from borrowers. The interest rate is variable and when I called to ask how that is calculated they could not tell me. My interest rate is currently over 11 %. Since XXXX of XXXX when my loan was bought from sallie mae by Navient, my balance has actually gone up by {$200.00} although Ive been making monthly payments. My brother, who is the initial borrower, is back in school full time but his loan doesnt qualify for any type of deferment due to the type of loan it is per Navient. Feels like there should be some sort of law against the gross negligence and mismanagement of funds that is obviously taking place at Navient. When I called in on XX/XX/XXXX and asked how we could get my balance down, the man replied I could pay more each month. No other assistance was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$160.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX  Last reported XX/XX/XXXX {$470.00} Reported balance Credit limit XXXX XXXX FKA XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX 1. The persons name they verified the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Charge was through recurring ACH charge for phone bill. I called and terminated the service over the phone. Company continued to charge, I called repeatedly to terminate the charge, charge was finally terminate 3 months after the original call but I am being charged for 3 months after I originally terminated the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There are two reasons for my complaint today but the main one is the release of my retired father as my co-signer. Im XXXX and Ive made on time payments for years, never defaulted and they will not release him. Why was a govt contract given to Navient who has a reputation of ruining the lives of their customers. 7 years ago ( when i was with XXXX XXXX ) I made a payment on my account as normal and then was harassed with multiple calls a day saying I was default on payment. I explained I had paid and they said the payment was over two years late?! I asked how this possible and also how is the first time Ive heard of this since Ive been making my payments on time monthly all this time? Turns out 2 years prior, I didnt pay, even though their website said no payment was due. Ive found out this is more common than I thought. Many people have the same complaint. Release my father as co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a collection added to my credit file from XXXX XXXX. It was placed with Experian today XX/XX/2020 and with XXXX  and XXXX  last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with XXXX and Experian and I keep getting an error message. XXXX  will not let me get thru the phone line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Went to XXXX XXXX College now XXXX university issued student loans with XXXX XXXX XXXX it had been discussed that some one from XXXX  XXXX XXXX employee gave them to an acquaintance of mine and they sold them to XXXX XXXX financial aid administrator XXXX XXXX guarantor said they weren't subsidizing the loans with the Department of education and XXXX said they never got a government guarantee. In 1990 I filed bankruptcy so at that time there was an issue if the student loans were federal debt or unsecured. I still owed according to XXXX XXXX. XXXX XXXX loans are being serviced by Navient. Reached out to their customer service it had been discussed those loans were private. I asked them for appropriate disclosure to this and they have not sent. On the promissory notes there is no address from the lender just a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My company ( XXXX XXXX ) was using a fire alarm monitoring service provided by a company called XXXX XXXXXXXX. 
I signed the service contact ( XXXX XXXX ) and it gave a personal guarantee. The contract did not how ever list or explain what would happen if the contract was canceled. And I was charged a fine of {$7200.00}. 
XXXX XXXX then employed a debt collection agency called Keynote Consulting to collect the debt. I then passed the dispute to my lawyers who highlighted the issue that the charge was not valid since it was no included in the signed service contract and there was no mention of a fine in the event of early termination. 
Keynote consulting then filed circuit court of XXXX county and the case was dismissed, but yet the charge of {$7200.00} remains on my personal credit and as the debt collector from Keynote consulting said " they will keep dinging my credit until I pay up '' As you can see from the attached contract no where does it mention a early termination fee. And as the case was dismissed in court, the charge should be removed from my credit report. 
Thank you for your time.

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 2021-07-11
Company: EQUIFAX, INC.
State: MN
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:
My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX XXXX$4.00}, XXXX {$31.00} and XXXX for {$52.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter in the mail stating that we owe {$290.00} on our XXXX XXXX bill. The letter was addressed to " current resident '' and had what seemed to be an intentionally vague invoice page that included 11 transactions for service date XX/XX/2014. No other information provided. We confirmed with XXXX XXXX that our account is up to date with no existing balance. This process seems like a scam that preys on people 's fear of collection agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed a tax lien on my transunion credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I filed a dispute on X/XX/2017 and the dispute was completed by X/XX/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 148, page 846 in the purported amount of {$850.00}.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these inquiries completely from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting to you to please remove the following unauthorized inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am submitting this CFPB complaint in accordance with thr Fair Credit Reporting Act section 605b, and request that you comply with the Federal law and have the disputed inquiries removed from my Credit File as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: Atlanticus Services Corporation
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( XXXX ) 2011 So would like to file a Dispute Please!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for  home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the XXXX XXXX XXXX. XXXX has now incorrectly reported me as " past due '' for this item. I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of XXXX. 

I called Experian on XX/XX/XXXX and asked them to reopen the dispute, which they did. However the agent on the phone said it would likely be closed again, and she suggested that I file a complaint with a government agency such as the FTC or CFPB because then Experian could really take action. So that is what I am doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXXr XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I saw an advertisement for opening a new personal checking account and cash insentive of {$250.00}. I applied online and did the part I could for opening the account online. Then a few weeks later I received paperwork to go in the branch to finish setting up the account. My direct deposits were made and ten transactions debited once I received my debit card and account officially authorized. I call in XX/XX/XXXXand they said it was not enough time. Then I called this XX/XX/XXXX and said they didnt see any promotions. They were going to submit a form. Now a couple weeks later they still have not given me the incentive of {$250.00}. No one can answer why and this form did nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My XXXX XXXX XXXX was repossessed in XX/XX/XXXX. I was notified that the car had been sold to another person but the balance still remains the same from the beginning of my contract inXX/XX/XXXX per my credit reports. My reports also show that the account was closed in XX/XX/XXXX but I made a last payment inXX/XX/XXXX Overview You've paid off 8 % of the original amount.

Balance {$10000.00} Highest Balance $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX ( 5 yrs ) Term 51 months Payment History Last paymentXX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am victim of identity theft. I have already contact the credit furnisher and they have verified that the ( Auto Loan with account number XXXX, opened XXXX XXXX, 2017 ) is fraudulent and sent me documentation to confirm that the account is fraudulent and for it to removed. I have provided this information to Experian and they have refused to remove this identity theft account. I have also supported my deletion request of this fraudulent account with the XXXX - XXXX Police Report, Federal Trade Comission File Report and the letter from XXXX XXXX XXXXXXXX. I am requesting that Experian remove this fraudulent account immediately using the supporting documentation that has been provided.

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 2021-11-27
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation