BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: Navient Solutions, LLC.
State: NY
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:
Hi, I understand Navient was recently sued. All the loans I had were part of the stated lawsuit. Coincidentally, I paid off my loans the same time the court filings came to a decision. I would like to know the below. 

1 ) Will I get reimbursed all the outstanding interest they charged me for, though I had made all the required payments on-time. This misallocation had repeatedly caused the outstanding interest for all my loans of which I've inquired about multiple times when I first started to pay for my loans. 

2 ) Originally when my loans were transferred from XXXX to Navient, they were all lumped together. I was told by Navient, if I took charge of my loans and separately paid them, I could prioritize to pay off the higher interest loans first, which would help pay off the loans faster. However, because of the change, they told me I had to partially stop and re-setup payment which cancelled out my Interest Rate Reduction discount that was a benefit given for making continuous on-time payments for a few of my loans that was affected. The discount was never reissued back to my loans, when I haven't stopped paying my loans. Navient 's process forced me to stop paying my loans and lost the discount benefit when this could've been resolved by an internal calculation correct on their end. I would like to know if i will be refunded what the discount would have covered. I've continuously made non-stop payments, which was supposed to requalify me for the discount that i never saw and I have inquired about this before through CFPB, whom did not follow-up on my previous inquiry from the feedback section.

3 ) My loans had a benefit that noted the lender was supposed to take care the last 6 payments of my loans, which I felt the terms and conditions had changed. This benefit never kicked in. Navient doesn't review their loans thoroughly. I ended up paying off the loans myself. 

Overall, I feel that Navient is not managing their loans well enough. More importantly, I wished the loans were never transferred to Navient because I feel that Navient tried to find ways to eliminate benefits that were originally part of the loan terms to begin with. Unlike XXXX and any other bank or loan lender, the company didn't send any annual statements at the end of the year explaining the payments that had occurred. Hence the lack of documentation gave Navient every opportunity there was for borrowers to not see the changes they were making. Please help investigate and follow-up with the above bullet points. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It is becoming impossible to submit a dispute with the TransUnion reporting agency. I have attempted online a year ago, then again this time, and the company refuses to fix their website issue, which always results in a " Dispute Temporarily Unavailable '' upon submission of the disputes, which is unavailable indefinitely. 

For a company that holds and reports financial credibility of hundreds of millions of Americans, this is unacceptable, specially for consumers with accessibility issues. 

Thanks for your support and for doing a great service.

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 2022-01-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It XXXX Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you XXXX be liable for your willful non-compliance, as per FCRA XXXX ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. XXXX XXXX of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CITIBANK, N.A.
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:
I was shocked when I reviewed my credit report and found late payment that resulted to this account getting a charged-off. This is paid already. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: OK
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 report must have accurate information & my privacy must be used in accordance with the law In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX XXXX Original creditor 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used my card to make a purchase. It was then declined. I called to verify my identity only to be told that the phone number that I used to open my citi credit card can not be used to verify my identity. Then after speaking to numerous representatives I was told that I can not verify who I am over the phone and would have to wait for a letter to come in the mail just to verify who I am. I told the representative this is a tedious process and it is hindering my use of the funds avaliable on the card. I feel like I am getting no help at all from citi bank and this is something that should be legally addressed.

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 2023-08-07
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

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 2023-08-31
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
LEXIS NEXIS AND OTHER REPORTING AGENCIES ARE BUYING AND SELLING INFORMATION EVEN IF ITS WRONG ON BEHALF OF THE AMERICAN PEOPLE. THEY STATED THAT I BELIEVE THAT FCRA AND FDCRP REFER TO THEM. I SIMPLY TOLD THEM THAT THEY ARE DOING IN INJUSTICE TO MYSELF AND THE PEOPLE, TRYING TO AVOID LAWS BOTH WORLDLY AND MORALLY AND MAKING MONEY OFF BUYING, SELLING AND REPORTING INFORMATION ON THE CITIZENS INCLUDING MYSELF. THEY COULDNT EVEN GET MY NAME RIGHT ON THIS REPORT THAT THEY COMPLIED SO WHY WOULD ANY BUSINESS WANT TO BUY ANY INFORMATION FROM THEM UNTIL THE INTENTION IS TO DESTROY THE PEOPLE. I TOLD THEM THIS IS IDENTITY THEFT AND FRAUD, BIG BUSINESS FEELS AS THOUGH THEY HAVE TO NOT FOLLOW WORLDLY AND MORAL LAWS AND PROTECT THE CITIZENS AGAINST INACCURATE INFORMATION, THEY FEEL LIKE THEY DONT HAVE TO VERIFY AN ACCOUNT, NAME, ADDRESS ETC WITH THE CITIZENS, THEY FEEL LIKE I DONT HAVE TO BE COMPENSATED FOR THE PAIN AND SUFFERING THIS FALSE INFORMATION AND REPORTING HAS CAUSED MY YOUNG FAMILY, THEY FEEL LIKE THEY DONT HAVE TO COMPENSATE THE PEOPLE WHEN THY ARE ILLEGALLY BUYING AND SELLING INFORMATION RATHER TRUE OR NOT AND PROFITING, THEY FEEL AS IF THEY ARE UNTOUCHABLE, BUT XXXX DONT BLESS NO MESS! THE TWO BANKRUPTCIES THAT ARE REPORTING ARE NOT MINE AND THEY KNOW IT BECAUSE RATHER PACER IS PUBLIC RECORD OR NOT THEY NEVER VERIFIED IT WITH THE SOURCE! IT HAS TO BE SOME TYPE OF MORALS AND STANDARDS WITH REGARDS TO PROTECTING THE AMERICAN PEOPLE ESPECIALLY XXXX PEOPLE WHO BUILT THIS COUNTRY YET WE ARE ATTACKED EVERY WHICH WAY. LEXIS NEXIS FEELS LIKE THEY ARE IN THE RIGHT, THEY ARE WRONG! SO WHO MAKES THEM FOLLOW LAWS AND PROTECT THE PEOPLE SINCE THEY ARE NOT GOING TO STOP ILLEGALLY WITHOUT PERMISSION COMPILING INFORMATION ON PEOPLE AND PROFITING OFF IT? 

THIS BEHAVIOR IS RECKLESS AND SHOULD BE DEEEMED IDENTITY THEFY AND FRAUD! PLEASE STOP ALLOWING THEM TO GIVE GENERIC RESPONSES AND ALLOWING THEM TO REMAIN RECKLESS TOWARDS ME AND CITIZENS. IF THEY WANT MONEY THEY NEED TO WORK HARD EVERYDAY LIKE THE REST OF US AND STOP GETTING PAID OFF THE SUFFERING OF THE PEOPLE! THEY SHOULD BE ASHAMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by XXXX. XXXX, XXXX whose phone number is XXXX. Their collection is being reported to both Experian and XXXX XXXX. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both Experian and XXXX confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.

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 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX  and 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 2023-03-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had XXXX accounts attempted to be opened using my name/SSN/other information. All of the accounts were denied, but they showed up as inquiries on my credit report. No purchases were made as no accounts were successfully opened. I have contacted XXXX to report the fraudulent activity as well as the companies associated with the accounts to report them as fraudulent. Each company stated that they stopped the account/application from proceeding and marked it as stolen. I contacted each company on XX/XX/2023. Each company, along with the date the inquiry appeared on my credit report, are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, no accounts were opened and no funds were taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've been a Chase Bank Customer for nearly 20 years I'm coming back to America at the end of XXXX after living abroad in the XXXX  and tried to open up a Chase credit  card yesterday after spending several hours with the credit card team prior as there was technical issue applying. 

After hours of international calls, I applied yesterday for the Chase Freedom Card and received a digital letter today stating it was declined despite having a spotless account with Chase for nearly 20 years, previous Chase Credit Cards and an excellent credit score. The decision letter I received as generalised, unhelpful, and inaccurate but listed an excellent credit score. I called to discuss the decision, only to be passed around endlessly and told conflicting information about whether I could actually contact the team in charge of the decision. After hours on the phone, I'm no closer to understanding what happened.

I was transferred over 10 times, had to explain the issue several times and given  incorrect information by staff on multiple occasions. Several times I was asked for the credit card long number for the account that had been declined. Clearly, there was no number as the account was declined. This was indicative of the overall lack of understanding all staff members seemed to have. I asked to make a formal complaint, only to be told I was unable to make a true complaint that would be escalated and investigated but only rather give feedback that would be used internally. I would suspect banks are legally obliged to have a complaints procedure as XXXX banks are subject to this. However, both the phone customer service team and the XXXX  team told me there is no complaints procedure, only internal feedback. 

It is impossible to discuss the application with anyone, appeal, or make a complaint. I'm keen to understand the issue but have no means of doing so and am unable to escalate this with Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage had just began servicing my loan in XX/XX/2017, which I have had for several years. Within 1 month of having my loan, they stated I had an " Escrow Shortage ''. I was going to be short several thousand dollars, and my payment was going up {$140.00} per month. Again, I have had this loan for several years, and currently have 4 other mortgages on investment properties. So I checked with my insurance company and the county tax office about significant increases. I then called Freedom Mortgage multiple times of the next months, to try to get it figured out, and I got absolutely nowhere with approximately 10-15 phone calls. I have recently filed a complaint with the NC Banking Commission, to which Freedom Mortgage 's response was they paid a non-existent Insurance policy, meaning they ( Freedom Mortgage ) paid XXXX XXXX insurance, money out of my escrow account for an insurance policy that I had absolutely nothing to do with. I have never had XXXX XXXX as an insurance provider. They have not received a refund for this payment, therefore my Escrow Account is in shortage.

So, after months and months of no response from Freedom Mortgage, my payment is still {$140.00} more than it should be, due to them paying another insurance policy and not receiving the refund.

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