BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
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:
Hello, I am writing to you because I am extremely dissatisfied with Navient. Everyone I overpay, my percentage goes up. It is now up to TEN percent. Close to a 2 % increase just within the last year. 
I have been making payments and trying to catch up, as if 8.25 % wasn't bad enough. These are student loans, not credit cards. Double difficult territory should be forbidden. Some companies don't even pass 7 %. I wish I had more knowledge when I applied out of highschool a decade ago. 
I called them about a year ago, stating that I have been a long time customer and I would like to have my percentage lowered. They said that there is nothing I could do and that rates were set by the lender ( which is you, hello? ). 
Frustrated, I started to overpay to try to dwindle the loan down a bit. I have had economic hardship for the last several years before I called them due to raising a son alone and not working full-time to be there for him more. Finances are important but I won't slave away just to pay some company faster. 
I have done what I can. I have received offers for refinancing but it's been difficult trying to swap with my employment being scattered. 

I would like to sue Navient for increasing my percentage, not recording my last payment until way later ( have an email about this ), poor communication, a messy and hard-to-follow website, ride customer service representative, lack of compassion for the graduate, losing my cosigner release application, and for not listening to my needs. 
At the very least, I would like a fixed percentage of 7 % ( refinance ). 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: WI
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:
Contacted 6 times regarding incorrect reporting. I have never received verification of account. Disputes just marked as closed without verification or correct updating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I received a debt collection letter from Halsted Financial Services , LLC ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as XXXX XXXX ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with XXXX XXXX ( a PayDay franchise ). Someone used my identity to borrow this amount from XXXX XXXX sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from XXXX XXXX, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of XXXX XXXX  XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to Halsted Financial Services directly, but I know the XXXX has and was advised to take it up with XXXX XXXX. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with XXXX XXXX. I believe XXXX XXXX is complicit in many other such fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I used an ATM at the XXXX XXXX in XXXX, Nv, on XX/XX/2017 to withdraw funds from my account at Wells Fargo bank. I obtained the funds, but the next day discovered that I had been charged a " Balance Inquiry '' fee of {$2.00}. This was above the expected fees of {$2.00} from Wells Fargo for using a NON-WF ATM and the fee of {$2.00} from the casino for the money distribution. 

I believe that this additional fee is unwarranted, and just an attempt from Wells Fargo to get additional funds from its customers. I knew I had the funds in the account and did not want an " inquiry '', I just wanted my money.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-04-30
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Employees from transworld systems called on the morning of XX/XX/2019, I asked them repeatedly to state their business which they refused to do and attempted to get me to identify myself. I told the employee to never call my phone again and I continue to recieve calls from transworld systems from the following phone numbers : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I resolved this issue with XXXX XXXX XXXX already and settled to pay around {$300.00} for a {$570.00} collection. My boyfriend had destroyed the phone and I ended up homeless for months afterwards and didn't pay it for quite some time. The company took my account number to my XXXX Bank account or XXXX XXXX ( I do not have this account any longer so I am unable to provide the statement since it's been a couple years ). They took the payment out and they agreed that it would be removed from my credit score. I went to dispute it because it showed up again on my credit report saying that I owed money once again, it disappeared finally, nowhere to be found for months so I figured that we were done with this situation, and once more it has reappeared on my credit as of XX/XX/XXXX which is significantly impacting my credit score at this point. It has been paid and it was supposed to be removed but it looks like the name of the company has changed as well. If I dispute it again, I want it removed from my credit like it was promised and I don't want it popping up again with a different company name. I will not be paying to settle it again since I have already paid the amount. I will also not be using XXXX XXXX XXXX ever again either because this has been such a huge hassle

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: WI
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:
Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX  after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting phone calls and got suspicious because of a incident with a fraudulent student loan forgiveness company. I had been recieving these calls for multiple hours throughout the day. My mom handles the other debt and financial stuff so I am not sure why they are calling other than me trying to aquire about my student loan forgiveness from XXXX discharge a month ago. This is also around the time the fraudulent company tricked me into giving my personal info thinking it was XXXX discharge or affiliated with them. I think I still have the screenshot of the ad of them on XXXX search but I'll have to look through my phone for it. Other than my student loans I have no idea why they are harrassing me. I kept blocking them thinking it was a scamming company. I'm tired of it. As far as I know everything is ok and dealing with bad debt collectors in  the past I refuse to speak to them and be intimidated into paying money I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: MO
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:
All addresses on my report should be removed except for 2

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 2017-11-26
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I bought a netSpend card at XXXX for {$2.00} and loaded {$55.00} on it. I wanted to do some online buying. When I tried to register it they wanted copies of my ID, Social Security card, pay check stub, or other government paperwork with my address. Reluctantly I sent them my ID ( invalid-out of date ), my SSC ( accepted ), and a SNAP review ( invalid-over 30 days old ), four months of rent reciepts ( rejected ). Later I sent them my XXXX XXXX ID ( rejected ) and a XXXX letter dated XX/XX/XXXX ( also rejected ). This is all the paperwork that I have. I am an XXXX XXXX XXXX that works part time. I get paid cash, there are no check stubs. It took months to save that money for some holiday spending. They say that this prevents money laundering. That would make sense if it were {$5500.00}, but not {$55.00}. netSpend has hijacked my money. Ther should be regulations as to the amounts that this criteria can apply. On the outer package it says they will need your name and address, your date of birth, and your SSN. It does n't say anything about copies of all this and other stuff. Thats got to be false advertising. I called for a refund today, they said it would take 10 business days.

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 2020-05-04
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-04
Company: Comerica
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I XXXX XXXX XXXX am a current victim of identity theft which has been reported to the FTC since XXXX of 2019 i have had over half of my direct deposit from my government benefits come up missing off my card i receive SSI, I have taken all the steps to attempt to fix this with the company but they deny my disputes everything just this month I had almost XXXX gone I call to dispute it and they didn't do it told me I had to wait 5 days and with this XXXX I'm at XXXX thats been stolen from me. 
I have been informed by direct express that my card number was compromised and printed onto another card so thats how it was being used at a atm but now they are saying that's not possible and all I want is the money thats rightfully mine i mean due to the identity theft i can't even open another bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I believe that my rights under the ECOA have been violated by Synchrony Bank. The bank put a freeze on my account because of their own negligence. The bank lost information that was required in opening of an account that I have had since XXXX. The information in question was my date of birth, which would have needed when the account was opened. 

The following is what transpired, although I 'm not exactly sure of the dates. Between XXXX XXXX and the XXXX, I attempted to register to use Synchrony Bank 's online application. After several failed attempts, I called the bank 's customer service number, explained my dilemma, and the agent looked at the account, and noted that my date of birth was missing. He commented on the fact that the account had been open since XXXX and then asked me to hold. He apparently went to speak with a supervisor, who informed him, to inform me that I would need to fax in a government ID reflecting my DOB. This seemed highly unreasonable to me given that the account was XXXX XXXX XXXX. Synchrony Bank lost the information and it seemed to me that this was simply an attempt to inconvenience me, as opposed to simply accepting the information over the phone. Again, the information was provided when the account was opened, as they would have needed to know that I was of legal age to enter into a contract. Unfortunately, irritation got the best me and I remarked " F @ # k You, '' and hung up. 

Fast forward to XXXX XXXX, I placed an order with XXXX XXXX for {$51.00}. I subsequently got notification from XXXX that the purchase on the card had been declined. As of today XXXX XXXX XXXX ) I have not received an Adverse Action Notice from the bank, nor have I received any correspondence from them informing me of the adverse action that was being taken against my account. 

It appears that this is a game on the part of the bank to force compliance on my part. However, the date of birth was provided when the account was opened, and they lost the information. Therefore, I see no reason to require me to expend an extra effort to get them information which they had, and lost. 

Thank you, 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 non-monetary relief
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
A fraudulent charge of {$55.00} appeared on my XX/XX/XXXXcredit card statement. It stated that I used my card at XXXX store # XXXX on XX/XX/XXXX to make a purchase. I reported the charge to Bank of America, and received a new card with a new number. When I first reported the fraudulent charge in XX/XX/XXXX, I did not provide receipts or any other proof. I received a letter from Bank of America dated XX/XX/XXXX, that my claim was denied. On XX/XX/XXXX, I was able to recover receipts from said date of XX/XX/XXXX that showed that I did not make the {$55.00} purchase. I then went to a local Bank of America branch and provided this proof, which they faxed to the appropriate department. A few days later, on XX/XX/XXXX, I received a letter stating my claim was resolved in my favor, and they would let me know if they needed any additional information. I never heard anything more, until XX/XX/XXXX, when I received another letter from Bank of America stating that my claim was denied again. Due to this conflicting information, I called Bank of America. I have made several phone calls and have been transferred to so many different customer service associates, most of whom are apologetic, some of whom agree that there was an egregious mistake on their end, but it still hasnt been resolved. I proceeded to contact corporate customer care, and submitted my issue by email. I was contacted by them within 2 business days, and had to repeat the same story to this person, who asked me many questions, and also told me I could try to resolve it with the merchant, or report it to a credit bureau. So I called the merchant and tried to resolve it with them, but was told it must be resolved with the bank. Meanwhile, the Bank of America associate said they would reopen the claim. When I called again yesterday to confirm this, I was put on hold and promised a return call but I was never called back. Bottom line is, I did not make this {$55.00} purchase. I have been a Bank of America credit card holder for 30 years.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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