BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The collection agency XXXX XXXX  XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX   XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.

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 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked Experian to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to Experian, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told Experian that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called Experian I was given false information by one of their costumer reps. Now Experian is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that Experian doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to Experian by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. Experian isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the 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 2019-11-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I sent in a check for {$10000.00} to completely pay off my credit card. At that time. The account showed a negative balance of {$420.00}. 
IT IS ILLEGAL TO ADD CHARGES TO A CREDIT CARD AFTER THE CARD HAS BEEN PAID OFF!!! 

AFTER THE FACT, on XX/XX/2019, Chase decided to charge a {$75.00} interest fee ... AFTER THE CARD HAD BEEN PAID OFF 100 % on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
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:
Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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 reported several fraudulent credit inquiries to Equifax I mailed them communication with tracking Via XXXX which is : XXXX Which shows it was delivered on XX/XX/XXXX, however, Equifax did not open this dispute until XXXX, XXXX, XXXX, which is over ( 30 ) days after they received it ( 36 days later, ) and responded to the dispute by claiming the fraudulent inquires were accurate, with no supporting evidence, and clearly no investigation, as they opened the investigation into the fraudulent inquires on XX/XX/XXXX, and closed it on XX/XX/XXXX, which is an unreasonable and seemingly impossible amount of time to thoroughly investigate and conclude that ( 8 ) eighXXXX separate inquires made by different parties on different dates were all valid. 

I supplied Equifax with proof of mailing and a copy of the letter sent to each name/address listed under each inquiry which I did not receive any response each time. 

The inquiries reported to be fraudulent are as follows : XXXX. ) XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - XXXX XXXX. ) XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. ) XX/XX/XXXX XXXXXXXX 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 2019-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've provided proof to BoA that the item is on its way back to sender. They refuse to close the case, even though the seller responded to the claim via XXXX ( but XXXX says the claim is now with BoA ) on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by Experian, XXXX, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly.
A. XXXX B. XXXX C. Experian : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX. 6. XXXX, fraud : Le
arn some manners and respect whomever you speak to when doing business. Remove all fraud and
error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is 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 2021-03-29
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I contacted US Bank today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. US Bank has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that US Bank has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from US Bank stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and US Bank is dragging its feet to provide that letter to the lender. I want US Bank to fix this ASAP. Thank you for looking into this.

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 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment in full on XX/XX/XXXX to Capital One for the Amount of {$2300.00} for a payment I had due on XX/XX/XXXX via my checking account. After doing so, I set up autopay using that same account. I got an email from them on the XXXX that there was another payment scheduled for the same amount, which I was not able to cancel online. I called customer service who was unable to do anything that same day and they asked me to contact my bank on next business day XX/XX/XXXX to see if they could reverse one of the transactions. I did so, but my bank charged me a fee of {$20.00}. I called Capital One that same day. The first representative was unhelpful and said that since it was a bank fee he would not reimburse me for that. I asked who a supervisor who also basically blamed me for the problem and was adamant they would not credit the account {$20.00} for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: NJ
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 have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.

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 2018-02-09
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
GM Financial is reporting inaccurate payment history on my credit report for account # XXXX. I have filed disputes with all three credit bureau 's. GM Financial is reporting 30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 day late payment for XX/XX/XXXX on the previously referenced account. The account was paid if full and closed on XX/XX/XXXX. I've made numerous phone calls to GM Financial customer service for approximately a month. They have corrected payment history with XXXX but have yet to submit a correct payment history with XXXX. They have also provided me with letters that reflect the account was satisfied in XX/XX/XXXX. This inaccurate reporting is impacting my credit score significantly. I am in the process of obtaining a mortgage and this inaccuracy is preventing me from doing so. The score simulation on XXXX 's website indicates a positive change of greater than 50 points if this inaccurate reporting was corrected by GM Financial.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Transunion has ignored my disputes The acounts are as follows : XXXX : XXXX XXXX XXXX : : XXXX XXXX : XXXX XXXX XXXX : XXXX SXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX 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 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with customer service

Complaint:
I am XXXX and requested a new credit card. Customer service refused to assist me if I had the computer reading to me, I then asked my daughter for help and they refused to allow anyone to speak other than me. They said I had to read the number from a text message. When my phone read the message they refused to accept it because it was not my voice. I repeatedly explained the situation. I stated disability rights language to them ... they refused to assist me in getting a new card. My card had expired. The customer service escalation assistant was rude, spoke over me repeatedly and in the end ... 1.55 hours did exactly what I was asking for .... sent me a new card. However, this is an exact repeat of the problem we had when we first requested new cards in late XX/XX/2020. This escalation expert repeatedly refused to follow the ADA guideline for providing a voice option to the number, was beyond rude and very dismissive. If requested for speech or hearing impaired he is required to allow third party assistance with verbal permission. Employee name is XXXX employee number XXXX. Refused to escalate to customer complaint, customer service or consumer complaints. Refused to provide customer complaints direct phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good day, After XXXX school in XXXX, my federal student loan first originated with a total balance of {$43000.00}. From XXXX to XXXX, the student loan was federal and serviced by different entities including XXXX, Great Lakes, and XXXX. From XXXX and on, the student loan became private with a continuing balance of {$43.00} thousand serviced by XXXX XXXX. In XX/XX/XXXX, I refinanced the private student loan with another bank and the balance currently is at {$28000.00}. 

From XX/XX/XXXX to XX/XX/XXXX, I was making payments to Great Lakes under the income sensitive plan. Every monthly payments were being applied to interest and nothing to principal. This is because the originators at Great Lakes deceitfully placed me in a program where it was interest only driven. At application, they did not explain the features of the repayment program and did not attempt to place in a repayment program that was beneficial to my interests. Due to Great Lakes negligence and greed, after twenty years I am still stuck with making payments on a large principal balance. I have attached the payment history documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation