BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Navient Student loan lender has applied late fees to loans while I was in school or while my loans were in forbearance. I have reached out to Navient to fix the loans that it applies to but they only gave me the run around. They have also added more interest then what they should have I had a {$3.00} or XXXX XXXX dollar loan that is now over {$10.00} XXXX dollars. The {$10.00} XXXX dollar amount shows that it was transferred to aidvantage on XX/XX/XXXX but was with Navient a few years back at {$3.00} or {$4.00} XXXX at the time. I asked about this and Navient could not explain either situation. Navient over the years has always added more then just interest and will not fix it. Also to note that {$10.00} XXXX dollar amount that started off lower than that was from XXXX and which is over the amount of time to collect. They put it as if it was a new debt and it is not. They have done several amounts like this that was well over the collection time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/2018, I have sent letters dated XX/XX/XXXX and XX/XX/XXXX to Capital One as inquiry to old credit card debt with an offer to settle the old debt if they could prove I was the original debtor. 

To date, Capital One has only sent letters reporting charge off and last payment information for the old credit card accounts. 

I contend that Capital One is " re-aging '' my old credit card debt with intent to continually harm my credit. 

Capital One has not responded with acceptance or denial to settle debts that are being reported to the credit bureaus against me. 

In XX/XX/2018, I sent letters via certified mail to credit reporting agencies known as XXXX ( confirmed receipt XX/XX/XXXX ) ; XXXX ( confirmed receipt XX/XX/XXXX ) ; and XXXX ( confirmed receipt XX/XX/XXXX ) as disputes to Capital One and to request proof of original instruments of indebtedness. To date, the credit bureaus nor Capital One has sent copies as proof for the original instruments of indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX chime closed my account asked me to send in information I did that they informed me they will send the funds XXXX back to XXXX XXXX which they never did they blocked me from calling sent an email that they will keep my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX in the amount of {$1300.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2019-02-28
Company: AA Recovery Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
on XX/XX/2019 a debt collector from AA recovery phone # XXXX contacted the HR dept of my place of employment asking to speak to me. The representative from A recovery stated that she would put a 24 hr hold on my account and that I needed to go to XXXX and get a prepaid card and make some type of payment towards this debt or they would start garnishing my wages ( which is illegal in the state of Texas ). this person was very rude and threatening. I also informed her that they are NEVER to call my place of employment again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX : Message online via transaction paypal for concert tickets XX/XX/XXXX : Sent XXXX $ to XXXX XXXX on paypal for tickets, fraud-never sent tickets XX/XX/XXXX : Called paypal, stated since it was friends and family transaction they could not refund-told me to call XXXX XXXX ( who I bank with ) XX/XX/XXXX : Called XXXX immediately, stated they could not dispute claim until money actually left my account. Guaranteed I would dispute and be reimbursed. 
XX/XX/XXXX : Dispute form completed, XX/XX/XXXX : Bank stated I can not be refunded since I did not use my debit card ( my checking account is hooked up to paypal-only have a debit card linked to this checking account previously hooked up ) Bank and paypal keep kicking the ball back and forth and I am not being refunded, but worse this fraudulent individual is probably still getting away with this with other innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Account information incorrect

Complaint:
EQUIFAX, XXXX, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
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:
Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX  after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

Transunion Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX  XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

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 2020-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery is reporting I owe a debt ; I never authorized this company to have my personal or private information. The CRA has allowed this information on my credit report and it is damaging my reputation ( credit profile ). My federally protected consumer rights have been violated and this has caused major stress to myself and my family. Because this information is being reported it has harmed me financially and denies me access to homes and funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been fighting with Wells Fargo Dealer Services for months to correctly apply my loan over-payments to paying down my principle balance rather than keeping any over-payments as offsets for future monthly payments. I was told that each time I over-payed I would have to call into customer service to get the over-payment " reissued '' and applied directly to principle. I accepted it because I am tired of arguing with them. I was told " this is policy and we are not going to make changes to your account. '' Fine ... 

So I paid {$1400.00} in XX/XX/2018, which is {$1000.00} over my monthly payment. I did this so i wouldn't have to worry about paying my loan for the next 2 months. They had a note saying that i did not owe again until the beginning on XXXX as the remaining {$1000.00} would be applied to my XXXX and XXXX payments due. Nothing new. So i didn't worry about paying the amount owed at the beginning of XXXX because they said in my XXXX payment statement balance that the over-payment would be applied to future months owed ( XXXX and XXXX ). 

So I checked on it today XX/XX/18 and they reversed my XXXX over-payment and applied it to principle ( seriously, after saying it was not policy ) without my authorization or approval and are now saying that I am past due on my  XXXX payment. 

They are the biggest group of liars and thieves. Seriously, they should all be brought up on criminal charges. So now my credit was hit AND I have late charges. I'm going to pay the " overdue '' XXXX balance tonight but this is getting ridiculous. Regardless of what I do I can not win with these unscrupulous people.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had a Wells Fargo auto loan since 2018. Saw there is a settlement on charges that could have affected my loan. Filling a complaint to seek resolution.

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 2020-12-03
Company: Experian Information Solutions 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:
I have been a victim of identity theft my identity has been stolen and used to open several fraudulent accounts

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 2018-09-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him. 
Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.

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 2020-05-25
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was told to do a consumer report so that is what I am doing I am a XXXX woman I get my XXXX on a card call direct Express well my money goes in every month on the 3rd I was very sick this month I checked on the XXXX I got to put my card number and it would not take the pin number it said that it had issued me a new card I did not understand why so I asked my son to bring me my tablet and I checked it everything look just fine my money was in there nothing was being pulled out so maybe I just figured they were just sending new cards but I could not get a hold of them with the number on the back of my card I tried and it rang and it rang until it hung up and then again I tried on the XXXX I put my number in it refused to take my card number or my pin I had to do it through my social security I did it told me again that it had issued me a new card but they gave me a different address which I did not understand so I try to reach them again and stole it just rang rang and then it hung up on me and finally my son brought the mail or Friday right before it which I'm not exactly sure what day that was and there was a little card that asked me if I had changed my address that little card have a different phone number I called them on that number and I got through to them they said that they will send me some documents for me to fill out and fax to a number they gave me it took almost four days for them to do so but I did fill it out and send it back buy fax.they also said that I had to make a police report because this was identity theft because the person that caused had all my information and that's how they were able to change the address so I did what does that but the last person I spoke with said that this was the last step. The full amount that they have taken out of my account is XXXX and this is the card that is given to all Alder people that are on XXXX students that are in college that have probably experienced the same

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
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: Account status incorrect

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-31
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I was being scammed from the Online shopping website XXXX XXXX XXXX, those scammers requested me make payment repeatly. As soon as i realize it was a scam, i contacted XXXX  XXXX XXXX immediately to stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Southwest Credit Systems, L.P.
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:
I have contacted the company for the information to be removed from the XXXX since it was inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Bread Financial Holdings, Inc.
State: MO
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 have no knowledge of this account and i could not get the company to prove to me how was this account open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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