BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My son and I went through Sallie Mae for a private student loan due to the outrageous expense of attending XXXX, XXXX, Oklahoma. Then, my son only stayed 2 months and withdrew, nothing was refunded back to our loan. He has had to pay to defer, only works part time, going back this XX/XX/XXXXto a lower cost university, but the interest rate with Sallie Mae is outrageous!!! I believe it's 12.875 %, which is absurd for a struggling student and his struggling parents!! Their rules are ridiculous, and certainly no flexibility with repayment!! Even if we simply pay on interest while my son finishes his degree, we will not accomplish anything, no affordable payment plan, interest to high, to many penalties!! How in the world can someone achieve a degree when already defeated with such an unreasonable student loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call today XX/XX/2019 from XXXX at XXXX I answered it and I got no response or anything I hung up. I did say hello though. 
I got another call at XXXX from # XXXX XXXX XXXX and a girl answered the phone. she asked for me by my full first and last name. I said didn't you just call me from the 877 # and she said yes. I told her okay you guys call me everyday and never left a message but call and call remove me from the phone system. this is an officially cease & desist and to stop calling me so much everyday. she said I could take down the information I said no and hung up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my son drugs stole my ID and got credit cards 3 years ago, i was driven by my wife from my house as they try to put poison in my food, i lost every thing because i could not take lawyer, Now i am retired and get small amount of money with food stamp from government, i could not pay first national bureau as it demanding XXXX dollars for 5 payments as that debts i never used,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2019, I received an unsolicited prepaid mastercard ( debit ) issued by NETSPEND. I am concerned that I received this card in the first place. I did call the opt out # on the card and told them that I did not want ( nor requested this card ). When I asked how my name got into their data base I was told that " probably someplace you shopped ... gave your phone # to '' was the originator. My concern is that it is dangerous for unsuspecting consumers to receive such cards without their permission

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 2019-10-08
Company: Experian Information Solutions Inc.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Experian is charging my XXXX XXXX credit card {$19.00} monthly for a credit report I have not ordered or received. XXXX XXXX has tried to stop it, I've tried calling Experian, never can speak with a customer representative, I've e-mailed. This has been going on for 5 months now. 

Started : XX/XX/2019 XXXX XX/XX/2019, I checked my XXXX XXXX cared Experian has charged my card on XX/XX/2019, {$19.00} for a credit report. 

XXXX XXXX has issued me 4 new cards, I've spoken with the fraud department and my card is still getting charged {$19.00} a month. 

I've canceled everything with Experian, or I've tried the system told me I don't have a membership, but my credit card is still being charged.

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 2018-08-15
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In my XXXX and XXXX  credit report, both had reports from First Federal Credit Control for {$85.00} owed. First Federal Credit Control also listed on the credit reports the same amount of {$85.00} with two different account numbers XXXX and XXXX. Double dipping on credit reporting. First Federal Credit Control never sent me notification of the debt for me to be able to review and dispute if necessary. I was just lucky to be viewing my credit reports for different reasons and happened to see the First Federal Credit Control reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Risecredit, LLC
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: Information belongs to someone else

Complaint:
XXXX  is reporting incorrectly a collection/charge-off on RISE account number XXXX. ( Please see page 2 of the attached credit report. ) In XXXX, 2015 I made a final payment of {$2100.00}. This payment should have made this account report a {$0.00} balance. The total amount of the loan was {$2500.00}. I keep receiving bills for outstanding balances due that are non-existent. I make the payment required, only to discover that none of the payments are applied to this account. Every time I inquire about what the actual balance due and owing is, the amount goes up and up. I have paid over {$11000.00} on a loan that I never even signed for. This account was opened fraudulently by my ex-husband however, I had no choice but to make the payments until I straightened this account out. I received no assistance from RISE and they refused to close this account. My ex husband e-signed my signature without my consent. I did not authorize and/or approve for this account to be opened. When I discovered that there was an account in my name, I immediately contacted RISE and let them know I did NOT open this account. I requested copies of the alleged documents that I signed and discovered from the Disclosure Agreement that this fraudulent loan that was taken out was charging 274.21 % interest. According to their calculations, the original loan amount of {$2200.00} would cost over {$8700.00} in finance charges. After making all of the scheduled payments the total cost of the loan would exceed {$11000.00}. This is PREDATORY LENDING to say the least!!! The Federal Loan cap on credit cards is a maximum of 28 %! I was forced to make the minimum payments due until we could come to some resolve of this fraudulent account. I was never able to make any headway with the representative and as time marched on, the account grew larger and larger. I would pay it off, only to have a statement arrive and see that the balance due was more each month. This incorrect reporting is seriously harming my credit score and this account needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-10-08
Company: Performant Financial Corporation
State: FL
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 a member of XXXX XXXX XXXX for 1 semester while in school ( fall XXXX ) before withdrawing from the school. 

I recently started to look into my credit and noticed a charge from the fraternity on my credit report ( in collections ). 

I first called the fraternity headquarters in XXXX of XXXX and asked what the charges were for and how I could resolve this issue as I know al of my dues were paid when I left the school. Headquarters, located in XXXX, told there me was nothing they could do and I would need to contact the chapter adviser. I left him 3 voicemails that all went unanswered. 

I reached back out to headquarters and again they advised me they could not/ would not take any action towards a chapter. 

XXXX of XXXX I disputed the charge through credit karma and nothing was done. 

XXXX of XXXX I relocated to Florida and was busy moving and settling in and did not bring the issue back up. 

XX/XX/XXXX of XXXX I reached out to the creditor and explained to them the situation on an online submission on their website. They reached out to me on XX/XX/XXXX and offered to settle for {$1100.00}. 

I obviously denied. 

Following on XX/XX/XXXX I reached out to XXXX XXXX, who the fraternity used for billing, and headquarters. Both by Email and I can forward all these emails to anyone who can help. 

XXXX XXXX did not answer so on XX/XX/XXXX I reached out again and did not hear back till XX/XX/XXXX. 
On XXXX I asked again for an itemized list of the charges which I received later in the day. 

I sent the itemized list along with an official transcript from XXXX XXXX  University to both XXXX XXXX   and XXXX XXXX XXXX showing that I was being charged for semesters I was not a student of the university and that all of my dues had been paid prior to leaving the school. 

XXXX XXXX has yet to answer. 

XXXX XXXX XXXX responded on XXXX stating they " understand my concern '' and they " encourage ( me ) to take any action I wish against the chapter ''. And that there was nothing they could do. 

The chapter adviser has been included in everyone of these emails, along with the chapter president and neither has responded. 

I have literally run out of every option possible to resolve these issues and have provided an overwhelming about of evidence showing these charges are not valid ; and the only person who can change then, XXXX XXXX, will not respond. 

I have a lot of emails I can forward showing the lack of assistance and communication from all parties involved besides my self.

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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my credit report related to multiple reports of identity theft with Trans Union and the others to reporting agencies XXXX and XXXX. I applied for a mortgage loan and as informed that I would have to have the credit freeze lifted from all three agencies to apply for the loan. XXXX and XXXX responded and lifted the credit freeze within moments. TransUnion refuses to lift the credit freeze without a pin number that they claim they sent to me on XX/XX/2018. I have not received this pin number and I have informed TransUnion daily for the past 5 business days. Each time I called I was transferred to special handling and told over and over again that the pin number was mailed out on XX/XX/XXXX and to allow seven business days for the letter to be received it has been nine business days and I still have not received any communication from TransUnion. The TransUnion representatives will not help in any other way other than to offer me another mailing of the pin number in the interim. I am losing thousands of dollars in a frozen transaction with the purchase of a new home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Colony Brands, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was trying to make a payment to XXXX XXXX XXXX. 
The payment was due on the XXXX of each month. 
Made a payment online and received a message that confirmation was delayed but would be sent in 30 minutes. 

Tried the process twice, made copies of the error message. 

Received an email that my payment was late. 

This has happened twice since I received the card. 

A customer service representative called me about my late payment. 
Informed him of the problem I was having. He told me he does not handle that department on late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: LendUp Loans LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/2019 I revoked there authorizations for Ach agreement thru my account. And I did a stop payment on this ach payment. They told me they would not send it thru on XX/XX/2019. On my dashboard they clearly admit to sending it thru on XX/XX/2019. Without my authorization. They clearly have no way to stop an Ach payment. Which by law makes the Ach agreement invalid. There has to be a way to stop it in the agreement. Which there is not. There Ach agreements are deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient misled me numerous times. My repayment amount was supposed to be $ XXXXmo, but now it 's up to almost {$300.00} and it appears to be some type of interest only loan. I started with XXXX XXXX and Navient bought the loans somehow. So now I deal with Navient who misleads and bullies me every time I talk to them, so I stopped dealing with them. They also robo call me about 5 times a day, despite me applying to get off the robo dial list. They also stalked me at work -- somehow got my work number and hassle me there now too. I had asked for my loan agreement ( which I have never signed or agreed to anything with Navient ) and payment history, and they  always say yes, but then do n't send me anything. I am currently in strong-arm collections for over {$1000.00} past due, but as a struggling XXXX single dad, I need to restructure my loan to get it back to the original type of loan I signed and agreed to and can afford, NOT an interest only type of loan that I will never pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Student Loan Care, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was charged {$42.00} per month for the past year, XX/XX/XXXX through XX/XX/XXXX via an online payment system called XXXX XXXX as a service fee for consolidating my loans and managing my account through a third-party company called Student Loan Care. My official student loan servicer informed me that Student Loan Care was essentially committing fraud by charging me a service fee. Student Loan Care also sent me daily emails about the annual re-certification process for student loan forgiveness and requested that all correspondence go through them instead of my official servicer. When I questioned my official loan servicer about this, they informed that that is suspiscious activity from Student Loan Care, and that I should not be paying any fee because my loans have already been consolidated with them via the Department of Education and that I have no fees to pay according to their records. I was also recommended by my official loan servicer to file a complaint with the state 'Consumer Bureau, ' alert the Department of Education about the suspected fraud, and seek legal council.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
DISPUTE WITH-Chase Auto-JPMORGAN CHASE BANK, N.A. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through Chase Bank . 
I had my XXXX  for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called Chase and indeed Chase came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.

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