BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to this school inXX/XX/XXXX, did not graduate due my XXXX This loan is being handled by ( NAVIENT ) I have been dealing with NAVIENT for 10 years of this loan that XXXX I am on a fixed income of XXXX a month from social securty income. I have no way of paying this loan, and have been in contact with them about this. Ii have filed for ecnomic hardship, over and, over with them. I have also been approved for a total perment discharge for this loan, and the other loans I have through the Department of Education. All my loans have been discharged I have explained to NAVIENT, that my loans were discharged. I sent them proof that my loans were discharged. The department of Education has requested that my loan be transfered over to them for XXXX  discharge, as I am XXXX. NAVIENT tells me that have not got the request, and they keep charging me outstanding interest, and reported late payments to all major credit companys during my deferements. Late paymments were reportedXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX when I was in forbearance during these periods. They will not discharge this loan they keep wanting to put me in ecnomic hardship, then report late payments. I do not have the money to pay this loan. I do not even have the money to pay full rent. I was suppose to be in a voluntry forbearnce tell XX/XX/XXXX this is getting out of hand. It makes me sick that NAVIENT gets away with things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have requested answers multiple times why my XXXX XXXX savings account earns 8 times less interest than my checking account. NO ONE can give the answer. They switched my accounts about 6 months ago. I keep a high balance to prevent fees yet I am being penalized with a so called XXXX XXXX  savings account that pays little in interest. I am being ripped off. I moved most of my money to checking to earn better interest but that puts that money at high risk which is terrible. I want something done, this is deceptive and should be illegal if its not already. I have been with Wellsfargo for 23 years and they have ripped me off. I just cant believe it. I am livid.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 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
Consumer complaint received 2018-11-28
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a secured credit card in XXXX with Discover bank that went into default. The bank closed the account in XXXX and later sent me a XXXX. In XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle to debt so they would stop reporting it monthly to the credit bureaus and I was told that is not an option. The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been working with Fay Servicing and assigned agent XXXX XXXX during this time. On XX/XX/2021 I was approved onto a trial modification plan where I was to make 6 Months trial payments beginning XX/XX/2021 Thru XX/XX/2021 in the amount of {$3000.00}. I successfully made 4 of my 6 payments as sheduled however where I am having a problem is my payment in the amount of {$3000.00} was mailed by USPS to be overnighted and was delivered to Fay Servicing on XX/XX/2021 at XXXX XXXX- I understand my payment was to be into Fay Servicing by the last day of XX/XX/2021 and I did try to make the payment over the phone but was not able to so I resorted to overnighting the payment instead the problem was the mail was delayed. I have been working with XXXX XXXX and she has been more than helpful with my case On XX/XX/2021 we did speak to XXXX and emailed her the tracking number from USPS showing proof of payment being mailed ( Tracking Number XXXX ) and she reached out to the investors to see if they can over turn this issue, however, while in review since XX/XX/2021 Fay Servicing issued me a Foreclosure date of XXXX I have requested the postponement to allow time to be properly reviewed but agents at Fay Servicing advised me they DO NOT have to stop the foreclosure eighter the investor will agree to help me or the foreclosure will take place but that they can not stop it and will not even though I'm in the review process of appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX I discovered that XXXXXXXX XXXX had reported a late payment to the credit bureaus. On XX/XX/XXXX I contacted them with my Authorized user ( XXXX XXXX ) on the line. We spoke to a supervisor name ( XXXX employee id XXXX ). She advised us that she did see that my account was set up on automatic debit and that she would remove the late reporting from the credit bureaus. My authorized user asked that she note the account of this for future references and she agreed. On XX/XX/XXXX Myself and my authorized user called again t o ensure that the account had been corrected and the supervisor ( XXXX ) advised that she saw the notes on the account and everything was corrected. On XX/XX/XXXX the late payments were added back to the account and now XXXX is refusing to remove them. This is adversely affecting my credit through no wrongdoing on my part.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-10-03
Company: U.S. BANCORP
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found out that there are in my credit 2 auto loan accounts that are affecting my credit scores and I need those accounts to be removed from my personal information as soon as possible since those accounts are not mine. I have been victim of identity theft. 
This situation is giving me hard times in my job and daily life. 

US BANK XXXX -- XXXX This account is reporting in XXXX and XXXX. 
XXXX XXXX XXXX XXXX -- > This account is reporting in XXXX only.

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 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 affected by equifax breach and I have accounts and incorrect information on my credit reports. I have filed multiple claims and I want these accounts off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-11-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have successfully paid thousands of dollars to my Barclays JetBlue card balance without any issues. 

I recently opened a new checking account and added this as a payment method because I have a new job that deposits into this account. 

However, I accidentally chose this method of payment instead of my original checking account, and the account was debited and I was hit with insufficient funds and a {$28.00} returned payment fee. 

Again, this was the first time this ever happened and it was an accident. 

Now, I have made 3 payments of {$250.00}, {$250.00}, and {$500.00} in XXXX. Each one applies but then has a payment hold for more than a week. For instance, I made two payments on XX/XX/XXXX and was told, just now on the phone by Barclays, that they would not be available on my account balance until XX/XX/XXXX. 

So, this is a huge problem for me. The only way to get Barclays to release funds earlier is having a three way phone call with my bank to confirm that the transaction successfully debited my account. 

I have now had to do this twice and each time it takes me 30+ minutes and I am required to ask for a supervisor. 

So, I am either required to wait 8-12 days for my funds OR I am required to place a 30 minute  phone call every time I make a payment if I want it to be applied. 

I asked Barclays, politely, to stop this practice. Furthermore I confirmed with them that I have only ever had an issue with a payment once and they confirmed. 

Again, it was an accident. I was hit with a fee from my bank and from Barclays, and now I feel like I am being discriminated against, financially, with holds placed on my payments because of this one accident.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Law Office of Michael R Naughton
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We went to court before the COVID-19 started. I was recovering from XXXX  and XXXX XXXX from XX/XX/XXXX & XX/XX/XXXX. The original Creditor is XXXX   XXXX  in which XXXX XXXX had shared my XXXX  Procedure ( XXXX XXXX XXXX ) Without my permission. I have never signed any ( XXXX ) form to release any of my medical or dental records to ( XXXX XXXX XXXX ) or anyone. I have been back and fouth with ( XXXX XXXX XXXX about not owning this amount of money to ( XXXX XXXX ) XXXX XXXX XXXX Mentioned to the Judge he had made a mistake about the amount that is owed, he stated His Client ( XXXX XXXX ) said it was {$1100.00}. XXXX dollars before the courts had closed down for COVID-19 I told the Judge that {$1100.00}. The Judge told him to send me that correction and he never did, of the {$1100.00}. XXXX dollars, which was also, incorrect. ( XXXX ) the Receptionist who was working there at the time told me after I had paid my insurance covered it after two months later they claimed I owed more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an account on my credit report that does not belong to me ; NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I filed an identity theft report as well as disputed with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: AZ
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:
There is a fraudulent account that was verified as accurate by Experian and XXXX. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by Experian and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.

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 2022-09-07
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took a check and go loan out several years ago and was not able to repay. Around XXXX - XXXX I got to a point in my life where I was able to repay it. 

Fast forward to today. My mother received a call from someone claiming to be from XXXX XXXX Ohio courts, according to my mom, and asking for my information stating they are trying to serve me. She refused and forwarded me their info. I called in a panic believing they were with the courthouse. I do not live in that county. 

I called the phone number my mother gave me XXXX, and spoke with a different rep who advised me I had a debt from check and go for an unspecified amount, they would not specify the date, but said it was years ago. I advise I already paid this last year. They said they were trying to serve me to sue me in court over 3 allegations of unpaid debts. They wouldnt give me a real company name, the name I received was National. I assume they used this name to confuse people into thinking they are a government entity. They kept hanging up on me when I told them it was already paid and they will have to take me to court. I will be calling back tomorrow to get an address. I verified on my latest credit report I have a collection that was paid around XXXX of XXXX. 

There has been no contact by mail no notification of debt owed prior to this conversation. They jumped the gun and threatened with suing me without correct process of sending me some notification of attempt to collect debt. As well they have no business telling me mother theyre trying to serve me. They are trying to scare not only me but my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX & XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation