BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
First Started with XXXX and into about mid term realized that XXXX was charging {$600.00} /credit hr when supposed to charge {$360.00} /credit hr out of state tuition. When I challenged them on this and threaten contact XXXX and stop [ the loan they told me I could not do that. The Department of education abolish my loan and would not be able to borrow any money for other collages. I have to continue with XXXX. Well XXXX Said they would correct the tuition charges. They never did. They kept charging me what ever they wanted. I was earning XXXX degree in XXXX. Then when XXXX got into trouble my loan was transfered over to Navient. I contacted them about the over charge that XXXX was doing. They told me that it was nothing they could do take it up with XXXX. Ok here is something else. When I took on this loan Subidized and un-subsidized loan interest rates where 2.8 % and 3.8 %. XXXX overchaged me {$58000.00} for a XXXX degree and Navient would not help me fix this and also the interest rates are now jacked up to 6.8 % and my loan is running away because each year Navient jerks me around on the IDR processs and put me in forbearance and told me I could not pay anything while the interest piles up. 3 year ago my loan was just over {$57000.00}. 3 tears later is now {$65000.00} that is {$8000.00} every 3 years interest? Something is not right with XXXX, XXXX or Navient. PLease contact me for more info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Its over twenty hard inquiries on my credit report and this has caused hardship and mental mental anguish for me. The Fair Credit Reporting Act ( FCRA ) has a strict limit on who can check your credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission. Also its been over 15 days for the compay to respond and this is a violation. Seeking filing for compensation due to the negligence and the improper use of my credit. Remove inaccurate inquiries. XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX I ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/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 2023-05-26
Company: EQUIFAX, INC.
State: UT
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:
This is the second time I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Army and Air Force Exchange Service
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 status incorrect

Complaint:
My old AAFES military star account was closed in late XXXXearly XXXX. It recently was updated on my credit reports saying it closed in XXXX and that I had late payments in XXXX and XXXX. 

I could not have had any late payments those years as the account was closed many years ago. I want this error corrected on my report and the account years and payment dates updated with accurate dates reflecting closure in 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 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: PA
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 opened a credit card with XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX  Account Number : XXXX XXXX XXXX Collection Account Number : XXXX. 

This account is not mine and is a result of confirmed identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference.

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 2019-09-10
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft

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 2020-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 Wells Fargo notified me that they had detected unusual activity on my account. my credit card was used to make an online purchase at guitarcenter.com in the amount of {$1100.00}. The item or items were shipped to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and signed for by whoever had ordered this item or items ( which is the supposed reason why WF decided this was not fraud ). I didn't realize someone had used my personal info to change my mailing address on XX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX XXXX and have never been to XXXX On XX/XX/2019 Wells Fargo shipped a new replacement card to me as requested after trying to make a dispute for the charge of {$1100.00}, however I did not realize it was being shipped to this new address in GA. I did call Wells Fargo to let them know I did not ask for an address change, and to change my address back to my home address ( XXXX XXXX ). They then " cancelled '' the credit card that was originally sent to GA, and sent a new one to my actual address. I went in person to Wells  Fargo on XX/XX/2019, to speak to a manager and to again dispute this outrageous charge, to which they said they could not help me and told me I needed to call XXXX XXXX. I closed my account with them on XX/XX/2019. I received a call from whom I assumed was a creditor representing Wells Fargo saying they would be closing this case. I then began receiving multiple Bills via email and USP mail from Wells Fargo demanding I pay for these charges, and also the interest that had been accumulated for the months following. Since I have refused to pay this debt that is absolutely not mine, my credit score has dropped significantly, and Wells Fargo has been no help at all, though I've attempted to call and speak to different Managers  my issue has fallen on deaf ears. I did file a police report on XX/XX/2019 with SJPD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S.C 1692c - Communication in connection with debt collection ( A ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( A-1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( B ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 U.S.C 1692b acquisition of location information 15 U.S.C 1681 section 604 a -2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 a : States that I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Home Point Financial Corporation
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage began the latter part of XX/XX/XXXX, with first payment due to XXXX   XXXX XXXX ( XXXX ) on XX/XX/XXXX. This payment was made before XX/XX/XXXX ( see attached document ). Mortgage was then soon sold to Home Point Financial ( HPF ). HPF said that they didn't receive the XX/XX/XXXX. payment from XXXX, and has had me showing as late since that time. XXXX   sent me documentation via email that I had, indeed, paid the XX/XX/XXXX. payment ( again, ( see attached document ), and verified that that payment was sent to HPF. I explained this to HPF, who said that they don't see it and that there's a 30 day grace period for such matters. I was told that their online payment system would not accept any current month 's payments, only the " past due '' month 's payments. So XX/XX/XXXX rolls around, I make a payment just mentioned to HPF ( see attached document ). Instead of a payment for XX/XX/XXXX, it shows as being for XX/XX/XXXX. XX/XX/XXXX comes, and I make another payment to HPF ( see attached document ) and again address the issue. Again, same story from them, my payment only applied for XX/XX/XXXX. I explained that I have proof of payment, and was told that that doesn't matter, they don't see the payment in their system. In late XX/XX/XXXX I get a letter from HPF that I'm past due and they tacked on a {$42.00} late fee. On XX/XX/XXXX I go in to my online HPF account to make a XX/XX/XXXX payment and there's no link to make such a payment and it says that I am 29 days past due and late charges ( see attached document, " HPF Page 1 '' jpg ). I don't know what to do, outside of getting an attorney. I've discussed this matter  with HPF about 4 times and sent an email today regarding this issue. Has my credit and character been negatively affected? Is HPF anti-veteran, or do they just choose to financially abuse veterans in this manner? NOTE : Mortgage company address may be incorrect as they have 5 addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are also inquires that are not mine XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I em doing this own my own and I have call the local police and FTC.

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 2018-04-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i made a complaint no ; XXXX from you guys to wells fargo mortgage. i was just told from wells fargo rep that they can not give me a history of payments because of it. you see anything i can do to get rid of well fargo am trying to do. i can not get a new mortgage company unless i got that history account from my XXXX XXXX father XX/XX/XXXX.the main reason itrying to get rid of them because they been giving me a hassle for modification since XX/XX/XXXX are close to that. i am the deed holder of my father account wells fargo and the title team keep asking me to send them recorded petition reach i been sending them since XX/XX/XXXX i am on social security disablity i think they wellfound a way to deny me because they today it is a legal issue that why they can not send me that payment history i also believe that one of my daddy home ownner insurance could pay off his mortgage when he XXXX not current one but the one he had before he died and it was sold over and over again. i cant gt rid of them i cant remodify .i am being punish for contacting you guys i am still a us citizen that company should be investigated upside down not just sending them this complaint form and waiting for a response salesman will get around 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 2015-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
CONTACTED CHASE AFTER AN UN AGREED CHARGE AMOUNT FROM A RENTAL CAR BUSINESS XXXX. CHASE MANDATED A FORMAL LETTER AND POLICE REPORT NUMBER. XXXX WERE PROVIDED FOUR MONTHS LATER AND AFTER A PHONE CALL CHASE WAS CONTACTED AGAIN FOR STATUS UPDATE. CHASE PROCEEDED TO INFORM ME THAT THERE WAS NO RESOLUTION AND THE DISPUTE HAS BEEN CLOSED NO ONE CONTACTED US NEITHER BY LETTER, EMAIL PHONE CALL NOR TEXT. THE VEHICLE THAT I RESERVED AND AGREED TO PAY WAS BROKEN PER THE RENTAL OFFICE AND THEY UPGRADED MY VEHICLE. OTHER OPTIONS WERE AVAILABLE SUCH AS PROVIDING ANOTHER SAME CLASS VEHICLE AND BEING XXXX THAT WOULD BE A POSSIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: DISCOVER BANK
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Around, XX/XX/2020 I was paying my credit card bill on my Discover card. I sent money inside an envelope to Discover Card to pay my bill. So I sent in {$620.00} in 20 dollar bills and some one dollar bills. Some 10 dollar bills and 5 dollar bills to Discover Card. I noticed it never arrived on my credit statements. So I called Discover Card several times at customer service number. The lady that answered my Questions said they never received any money there and I knew that was not the case, so she said maybe the postman never picked it up or maybe the postman took it. I knew for sure he picked it up because I made sure he received it. So I called customer service again and I dont know if it was the same lady from before but this lady said go to the post office to check, so I did. I told the counter post office worker the problem I was having and he said the postman that picked up my mail would never go thru anyones mail even if he knew money was in it, and the postman definitely delivered the mail to Discover card and they received all my other mail that was sent to them. I found out that the post office counter worker was telling me the truth and Discover Card allegedly was not telling me the truth. I called Discover Card again to ask for my {$620.00} dollars back and I knew they had received my money all along. They said they cant help me ... sorry. I was able to send that amount of money to Discover Card because my car insurance company gave it to me because they owed money to me. PLEASE HELP ME RESOLVE THIS PLEASE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: LEXISNEXIS
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:
We previously had Auto insurance with XXXX and left them due to their discriminatory practices with taking advantage of XXXX XXXX Americans and U. S. Veterans. We are now being retaliated against regarding their falsified claims for Home Insurance claims they have been reporting to Lexis Nexis and impacting us negatively when attempting to shop around for new Home Owners Insurance. XXXX never paid a claim out for the Home Insurance Claims which we did not file as a claim. We only called them during a major Torando or Wind occurence in GA to inquire and just only view our home. However, we did not file 4 Claims and one is also a duplicate on the same day! Also, when I spoke to Lexis Nexis on XX/XX/XXXX, I was informed that these were not Valid Claims because there were No Payouts on them. Therefore, the following Home Claims should not be reported on our XXXX XXXX Report to further Oppress and Suppress XXXX XXXX-Americans from obtaining lower and competitive Home Owners Insurance : 1. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 2. XXXX - Home Claim XXXX Reported on XXXX XXXX, XXXX 3. XXXX - Home Claim XXXX Reported on XX/XX/XXXX 4. XXXX - DUPLICATE Home Claim XXXX Reported on XX/XX/XXXX This is a direct form of Discriminatory Practices which XXXX has exemplified against us by utilizing Lexis Nexis to report negative and False claims to retailiate and oppress us from obtaining Home Owners Insurance! They need to be reported to SEC and FTC for their illegal practices as well!

Company response to consumer: Closed with explanation