BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-12
Company: Navient Solutions, LLC.
State: MD
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:
I am a graduate student who took out a small student loan in XXXX through Navient and have been trying to pay it back early to save on interest. The original loan was for {$6500.00} in XX/XX/XXXX and to date i have payed ~ {$4000.00} back. I recently check my balance as i was planning on just paying the dividend and being done with it but when I checked my balance it said that i needed to pay it said I still owed {$5100.00}. I graduated XXXX inXX/XX/XXXX and started my phd work inXX/XX/XXXX. I believed my loan should have been in deferment with the exception for that one year period but of the {$4000.00} I have payed only a bit over {$1000.00} has actually went to the principal and the rest has repeatably gone to the " interest '' that Navient said would be expected if I payed it at their time schedule. Now if i want to pay the loan off today they are asking for a total of XXXX {$9000.00} for a {$6500.00} loan with only one year of interest. That doesn't make since. The federal student loan interest rate is 6.8 % and I am willing to pay that for the year that it was garnering interest but this price is drastically off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and Transunion, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of XXXX XXXX Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.

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 2021-10-13
Company: EQUIFAX, 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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
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:
I HAVE TRIED TO FIX THE FRAUDULENT PERSONAL INFO ON MY CREDIT REPORT BUT EXPERIAN WONT ANSWER.

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 2019-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
From the time Business account # XXXX and my Personal Account # XXXX were opened until the present day, I have never authorized ( Predatory ) " Overdraft protection '' on any account. 

I have repeatedly asked that Chase bank stop allowing " ACH debits '' when funds are not available. I call Chase to have as many of the fees reversed as possible as much as possible. 
Chase employees have a limit on the number of fees that they will reverse. Chase is giving me many predatory loans every month. on occasion amount debited is as low as {$7.00} and the overdraft os {$34.00}. 
Chase charged as many as 5 overdrafts or more in a day. In a month it is an average of {$400.00} or more per account. 
I am being given short term loans I can not afford and I did not accept. The robbery has the consequence of ruining my ability to pay my other obligations. This is hurting my credit, my future, and my family. 
The Chase bank owners are taking a house payment amount from me every month. This issue is urgent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
cra violation XXXX sent me a letter that said they were going to fix my lates b/c it was their fault not its 60 days destroy my credit

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 2019-10-17
Company: EQUIFAX, INC.
State: OH
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 a line of credit in the amount of {$1000.00} with XXXX XXXX. I am a long standing customer as well as my husband as his business account are with XXXX ( was known as XXXX XXXX XXXX as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, XXXX reported this to Equifax with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with Equifax which I know can't do anything about it without XXXX getting involved. My account is open and active and XXXX would not even send an update to Equifax and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with Equifax but without XXXX cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto loan with this company in 2013. My car was totaled. Up until my car was totaled, my account was current, and all payments were made on time. When the car was totaled, my Santander, my insurance, and GAP insurance were notified. My insurance paid Santander the worth of the car and GAP insurance covered the rest. While this was processing Santander continued to charge me fees, payments, and more fees. The balance was originally reported as one months worth of payments, then it was reported as {$460.00}, now it is {$590.00}. They continue to change the balance amount even though it should be a XXXX  balance because they were paid by the insurance and GAP insurance. I have pulled my credit report and realize that it is severely, negatively, impacting my credit when it should not be a negative account at all. I also attempted to send the company an offer to pay a small percentage of the balance-that I do not believe I owe- just to have it removed from my credit and they did not respond. I have also asked all three credit bureaus to produce valid concrete proof that I owe this debt. I have not been provided with proof because I can only assume, as mentioned, this is because I should not owe them a penny. They should have stopped collecting and asking for money since being paid the balance by my insurance companies. Regardless, there is no proof. I am demanding one of two things. Santander needs to stop reporting this as a negative account and fix the account to CORRECTLY display the accuracy that is/was my outstanding payment history, the payments from my insurance and GAP, and the XXXX amount that I owe them. Option number two, is to delete this account from my credit report. Period. I DO NOT owe Santander anything. They were paid in full by insurance and chose to continue adding fees after the fact. I want this either corrected on my credit report to reflect positively, or removed. IMMEDIETELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Genesis FS Card Services, Inc.
State: NJ
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:
XXXXIndigo continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the Indigo account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
On Discover bank XX/XX/2018 repoted 2 times inquiries that I never was applying for any of them, I want you please to remove this inquiry from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Thursday, XX/XX/XXXX, I decided to change my loan repayment plan from income-driven repayment ( IDR ) to standard repayment. I wasn't able to complete this change on the website and was directed to call customer service. I told the representative that I'd like to adjust my repayment from IDR to standard and she proceeded to immediately read me forbearance terms to agree to. I paused her to understand why she's reading this because I'm not asking for forbearance and she asked, do you not know what forbearance is? I replied something along the lines of, yes, I do know but I'm not clear why I would agree because I am able to pay my loans. In fact, through the new plan, I would be paying more per month in order to repay my loans faster. The statement that stood out the most and was definitely not true for my situation, " I am not required to make payments of loan principal or interest during my forbearance, but interest will continue to be charged on all my loans. '' I clearly never mentioned anything about not being able to pay. Since I was aware of the lawsuit I continued to ask questions until she very quickly shifted gears and said, " would you like to proceed without forbearance? ". Clearly, my answer was yes. However, she didn't make that an option. I felt very misled during this discussion and imagine that many other borrowers just say yes. This is morally wrong and an obvious attempt for Navient to take advantage of and make more money from borrowers. Additionally, I haven't reapplied for IDR since XX/XX/XXXX and somehow I'm still enrolled even though they threaten removal from the plan if the application isn't complete. I've received a few emails that are inaccurate as well stating that my monthly payment will increase to $ XXX.XX if I don't reapply for IDR. That number provided wasn't any higher than what I was currently paying. Again, another example of Navient 's deception and ability to cause confusion. Last, I had to pay {$5.00} to switch planswhy?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After getting a response from LoanCare where they offered a solution to this issue, I attempted to call the individual in charge of this inquiry, XXXX XXXX XXXX. She listed her number and extension as ( XXXX ) XXXX ext XXXX. This extension, according to the automated phone service they use, is not a valid number. In effect, LoanCare is impossible to reach. 

Furthermore, XXXX XXXX never addressed the two letters I received from LoanCare, where they admitted to having received the partial payments I made, and they clearly stated they would bring my account current. 

I went ahead and made a double payment in XX/XX/XXXX of this year in an attempt to bring my account current, but because the partial payments were not applied to my account in the appropriate manner, LoanCare did not consider this amount to be sufficient. 

LoanCare asked for {$270.00} in XX/XX/2018 to bring my account current, as this would be used in conjunction with the partial payments of {$650.00}. and the unapplied funds of {$490.00}. As it stands, the {$490.00} LoanCare had listed is unaccounted for in the payment history supplied by LoanCare. 

I have mailed through priority mail the {$340.00} LoanCare requested to bring my account current. I am putting this piece of information here to document what I have done, in the instance that these funds are also not applied. To reiterate, if these funds are not applied properly and are not used to bring my account current, this would be the second time money paid to LoanCare has gone unaccounted for.

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 2019-10-17
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/2019, I have been trying to work with my mortgage company on extending my deferment for the past several months. I gave them my military extension ( amended ) orders and requested to extend my deferment in a timely manner. Ive also provided them a copy of the new California Amendment with an effective date of XX/XX/2019, which doesnt require to get a JAG Court Order but they keep beating on my head that I do. I told them numerous times that this new amendment covers 180 days within a 365-day period.  I have been on XXXX XXXX for two years without a break in service. I am also waiting for another military extension ( amended ) orders to continue my medical care and treatment for my injuries I suffered in the XXXX XXXX. All I am asking them is to please extend my deferent for six more months not the entire duration of my current XXXX XXXX. I have also requested numerous times for them to provide me via email or mail what they need so I can give the information to the JAGs Office but I keep getting the same phone conversation that they cant. I finally contacted JAG for assistance. The JAGs Office and I placed a three-way phone conversation to the mortgage company but to no avail he couldnt convince them that the JAG Court Order doesnt exist for what I am requesting. Now, I am here filing a complaint. Please help me resolve this matter. Hopefully with your help, I am granted the additional six-month deferment I have been requesting.

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 2017-07-09
Company: Experian Information Solutions 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:
My problem is with Experian regarding my FICO score. I/we always have excellent FICO score. From XX/XX/XXXX to XX/XX/XXXX, our score ranged between XXXX to XXXX. This XX/XX/XXXX we paid off our mortgage loan and my FICO score took a huge dip to XXXX with absolutely no other changes in our financial situation. I called Experian and complained about the much lower score and wanted to know if the score is going to keep on falling. Experian 's response was yes, it was because I paid off the loan. Yes, the new lower score would adversely impact my ability to get a most favorable loan rate. Yes, the situation does not sound reasonable. No, there is nothing that can be done and no she does not know when the trend will be reversed and would I be interested to view their web site for some educational material regarding credit? Totally ridiculous response. <P/>We are in the process of buying a retirement property and I find this situation completely unacceptable .... why is it that we need to be in debt in order to be judged as better credit risk? It is illogical and it makes no sense. <P/>I hope you can help us.

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 2019-10-17
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019, I attempted to open an account due to information obtained from : Early Warning Services , LLC, Attn : Consumer Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, it was denied. I faxed correct forms and 2 ID copies to this agency on XX/XX/2019 and received confirmation it was received. They only ask for one, but I furnished them with two IDs. They have refused to furnish me with my consumer report claiming ID was not readable. I have an exact copy from the fax machine showing both IDs are clear and legible. This agency wants to report something negative to the bank I attempted to open an account with no regards to the consumer and no verified proof the information they are reporting is correct and has failed to allow me to obtain a copy of what they are reporting so it can dispute the information. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!!!! Such agencies are allowed to report anything they want on a person with no regards as to how it effects people. The consumer is required to jump through hoops to protect their rights while this agency reports inaccurate information. The burden of proof and the effort involved to correct errors is ridiculously placed on the consumer while agencies report whatever they want!!!!!!!

Company response to consumer: Closed with explanation