BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient is ruining my life. They wo n't let me re-enroll in an income-based repayment plan because my cosigners need to give financial statements. However, the last time they did it made my monthly payment go UP even though none of them are willing to help me pay. I spoke with a rep at  Navient  who told me if my cosigners call and say they are 'unwilling ' to help, she will change my payment based on only my income. Then I was told she did n't have authority and it went back to the original amount. I now have no means to pay and they wo n't put me in income based, let me put in forbearance, nothing. I told a rep that it 's effecting my mental health and physical health -- -- I ca n't even afford groceries and she responded that 's not her problem and it 's a personal problem I should have with my cosigners. I spoke with the head supervisor, she too said they are unwilling to help. I was denied from student loan refiancing and I have slim options to anything else at this point. Navient right now has me paying for 8 more years, I asked them to stretch it to 30 years - they wo n't let me do that. They are disgusting and this ca n't be ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
W e were vacationing a hotel and used the Chase Credit card to charge the room fees. On our drive back home the hotel left a message that we had vandalism in our room and that this was being charged to our cred it card. This was in  XXXX  and the fraud department at Chase has never investigated this fraudulent claim / charge on my card. On  XXXX   XXXX  i cancelled all of my cards at Chase and ended a  XXXX  relationship with them over this issue. Now since then I have written  XXXX  additional time to the company and they have now been charging late fees and interest payments on the closed account. Today I started receiving the call from their collections department and have no sense of being exonerated with regard to these false charges placed on my card. They call regularly and have no information they have reviewed and I have to explain to them over and over but no one is listening in their customer services department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To : XXXX My tax preparer told me things are off because of an NFCU banking error. On XX/XX/2021 a {$1500.00} transfer from an account ending XXXX was made to an account ending XXXX. The transfer was made in error. Account XXXX immediately transferred the {$1500.00} back to account XXXX - same day. Account XXXX shows the transfer was made, however ; the {$1500.00} was never posted back to account XXXX. Account XXXX had a balance of {$3600.00} prior to the transfer. After the transfer occurred, the balance went down to {$2100.00} however account XXXX reversed the transfer so the balance in XXXX should have gone back to {$3600.00}. However, it stayed at {$2100.00}. NCFU refuses to correct the error and {$1500.00} is missing from account XXXX. This is not the first time that I had to file a CFPB complaint, in the past, NFCU tried to hinder my tax filing by refusing to correct a 1099 form. Pursuant to the Dodd-Frank Act, CFPB has the authority to take action against institutions or individuals continuously engaging in unfair, deceptive acts and practices which violate federal consumer financial laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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 2022-01-11
Company: EQUIFAX, 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:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.

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 2023-07-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX, 2023 XXXXXXXX XXXX XXXX Reported XXXX XXXX, 2023 XXXXXXXX XXXX XXXX Reported XXXX XXXX, 2023 XXXX XXXX XXXX Reported XXXX XXXX, 2023 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 non-monetary relief
Consumer complaint received 2021-04-08
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: Account status incorrect

Complaint:
I have tried, in vain, it appears to get XXXX XXXX Executive rep XXXX to fix the inaccurate reporting from my Experian credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the XXXX correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have XXXX correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.

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 2022-08-14
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX, is my name I had a forgiveness private loan cleared debt free paid off that was granted effective XX/XX/2021, as a result of a settlement agreement by the attorney general. The loans included in this settlement are listed below and currently have a {$0.00} balance. 
Loan was XXXX However my credit score states I owe {$85000.00} in debt and I can support my family with a bad score on a XXXX. 
When XXXX was paid off in full from the forgiveness program.. my credit score supposed to be a lease higher over XXXX Can you please solve this matter and straighten out my problem please

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 2022-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt has been disputed numerous of times, each time it has not been verified as requested. Calls are at least 6 times a day before and after business hours, and even more frequently on the weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 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 2019-07-18
Company: SRA Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XXXX @ XXXXXXXX XXXX PST, XXXX XXXX called my cell phone asking for a XXXX XXXX  aka XXXX XXXX. I told them in no uncertain terms that it is a wrong number, I know of no XXXX, I do not know what XXXX XXXX is, and to take my number off of their database. The representative assured me they did. 

However, on XX/XX/19 @ XXXX XXXX PST, XXXX XXXX called me yet again. Obviously the previous representative did not take me off their database and they continued to harass me, knowing the number is wrong. 

Lastly, is there any way to get my number off of the debt collection rolls for XXXX XXXX? I made a report back in XXXX regarding XXXX XXXX XXXX calling me for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HI, My name is XXXX XXXX and i had a checking Account with BOFA and they closed the account and the next day my paycheck was deposited and Stimulus check as well, its been more than a month and they didnt let me withdraw the amount from the bank and told me that they will send a check to me and i didnt receive any check till now. and i have lot of debts due to Covid as i lost my job. i just called the BOFA agent and she says if i dont receive the check in 10 business days then i have to wait for 120 days for the check to receive. 
its really difficult for me to survive and i depend on my paycheck with a XXXX XXXX old baby. 
so please do the needful and in getting my check as soon as possible. 
am not bothered y they closed my account only bothered/concern about the delay in sending my check.

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 2022-01-11
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Equifax Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 

( ( XXXX XXXX : ) XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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 {$0.00}, {$3000.00}, {$0.00}. 
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 XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have received a letter regarding my BestBuy ( Citi Bank ) Visa card today, the letter was in regards to their monthly automated statements being returned. While, I appreciate the letter and the importance of informing me about this issue, there is one aspect that I have a huge problem with. On the top left hand side of the letter is of course the return address : " Best Buy Credit Services '' .... directly across the page is my COMPLETE 16 digit account number. My complete account number that, by the way, you can read through the envelope if held up towards a light. I have received this exact letter before several months ago and I called and spoke with an CSR who was not able to help at all. 
I think this is a serious issue that can easily lead to someone fraudulently using 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
Consumer complaint received 2022-01-11
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the XXXX XXXX  accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXXY XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have on my credit report on all 3 CFA 's a collection amount of {$7600.00} from XXXX XXXX. They claim they are collecting from a debt they purchased from XXXX XXXX, the debt from what I understand originated XX/XX/XXXX with XXXX and Midland took it over XX/XX/XXXX. I have never had business with XXXX and they do not show on any of my credit reports from the 3 CFA 's. I have disputed this claim since XX/XX/XXXX. My dispute was based on one : I have never had business with XXXX and secondly from doing some digging it appears this account was opened in XXXX XXXX at an address of XXXX XXXX XXXX XXXX. XXXX XXXX which I have also disputed with the 3 CFA 's because I have been living at my current address in Maryland since XX/XX/XXXX. It appears Midland continues to ignore my disputes and I have never received any documentation with signatures or anything regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received garnishment papers. Does not state, DATE OF THE ORIGINAL DEBT OR WHO IS THE ORIGINAL DEBT FROM!! This is a 3rd party that is trying to get money off a old debt this is PAST STATUTE OF LIMITATION!! I will NOT pay anything, as it does not state WHAT YEAR THIS DEBT IS FROM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the XXXX credit bureaus : Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.

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