BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Navient Solutions, LLC.
State: TN
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 keep paying the same fee in the amount of {$19.00} every month, and sometimes I pay it multiple times due to Navient 's system will show that I owe the fee again even after I just paid it. I have made this same payment sometimes 3 times in the same month, and it will show that I still owe it. I have payed this same amount for years, but in the past it showed only once, so I didn't think anything about it. I just figured that it was a part of my monthly fee. I didn't want anything negative on my credit report, so I just consistently made the payment. I called a representative today XX/XX/XXXX due to I wanted to know what the fee was for, and why did their system keep saying that I owed the amount. I was advised that it was a late fee from XXXX which I found crazy to keep being charged for something that I did not know was owed. This particular amount did not start coming up until XXXX based upon my printout of payments from their site. I was told that the late payment does not go away. I am on an income based plan, and I have been on it since XXXX per the rep. This fee has never been explained to me before, and I never knew it was an issue until I checked to see why this particular amount kept occurring after a payment was made. The rep advised that she had escalated the issue, and that the fee would be removed by XX/XX/XXXX. My issue with the whole situation is that I was making multiple payments on my account thinking that this was a part of a monthly payment when in actuality it was for something else. I was told that my {$19.00} payments was being applied to the interest of my account. I was making multiple payments to my account for something that I did not realize I was paying several times. I hope I have not been charged interest on this same amount that I thought was being paid over all of these years. I was told that late fees were not a real concern for Navient. They use all payments to pay the interest owed to them first, then towards the principal. I have spoken to others from Navient before, and this has never been told to me about this fee that I kept paying over and over again. Navient needs to put on their site on how to make payments for other things owed due to I was unaware that I had to click on the payment site for unpaid fees which I did not know that the {$19.00} was an unpaid fee. I just thought it was a part of my monthly amount that needed to be paid as stated. I also see that I am not the only one who also had this issue. I found an article that someone else had with the exact same issue on XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-05-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2021-09-16
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: Personal information incorrect

Complaint:
Numerous times ive been disputing with Transunion to have these incorrect addresses removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX, mi, XXXX. 
XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX. 
I do not live at these addresses. At this point, Transunion is going against the fair credit act. ive provided proof that i do not live at these addresses. But yet, they still fail to remove it. I want this address removed immediately. Also numerous times ive disputed the employer XXXX XXXX XXXX on my credit report. This is not my employer. I dont understand why it hasnt been removed. I want this employer removed immediately.

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 2021-06-26
Company: EQUIFAX, INC.
State: IA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a loan with XXXX XXXX XXXX  XXXX. 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 Experian and XXXX XXXX XXXX  with no successful resolution. Experian is only reporting me 30 days late. There was definitely an error on their part. I Was never 30 days late.

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 2018-07-13
Company: Financial Corporation of America
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a phone call from PROFESSIONAL BUREAU OF Collections a few weeks ago, they stated that i owed them a debit for services provided by western dental, they could not give me any information what so ever other than that I owed them {$1100.00}. I asked her to provide me with a bill or agreement or any-type of proof that I had received whatever service they were billing me, I than asked if this was being reported on my credit and she mentioned it was indeed. This is ridiculous how can PROFESSIONAL Bureau of collection report something on my credit and you have no information to provide the consumer whose credit they are affecting, NOT VERY PROFESSIONAL AT ALL! It has since been several weeks that I asked them verbally to remove this item off of any and all credit reporting bureaus if not send me any type of reason as to why they believe I owe them this debt. I haven't received a response and it still has not been removed from any of my credit reports. Before the phone call was over I asked them if they were recording the conversation I was having with debit collector representative, I had not been asked at the start of the conversation if they had my permission to record call and i had not given consent for them to record. She admitted the conversation was indeed being recorded, I requested copy of recording call and they denied my request. Very shady Illegally purchasing debit and soliciting me over fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Franklin Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was XXXX XXXX were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told XXXX  that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to XXXX that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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/2017, I contacted XXXX XXXX and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing XXXX XXXX business practices. 

It has come to my attention that XXXX XXXX has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.

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 2020-08-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with AMEX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX XXXX  XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: CORELOGIC INC
State: MD
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:
I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/ 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 2021-11-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I believe they are calling regarding a utility bill which I am paying directly to the utility company in payments as I cant afford them. When they called I have asked them to stop calling, then when I answer they hang up in my face. 
Calls are as follows 2021 : XX/XX/XXXX XXXX XXXX I answer and they hung up XX/XX/XXXX XXXX XXXX told them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/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 2021-11-01
Company: One Source Technology
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Asurint performed a background check on me for employment gave employer wrong information I will lose offer if this is not corrected asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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 information incorrect

Complaint:
I have contacted Experian to ask that they remove accounts ( that are not credit accounts ) that I did not give them permission to report. They have responded with letters saying they have investigated my concern, but what do they have to investigate? The law states ( included below ) that they need my written permission which I have not given. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I have contacted them via phone and regular mail with no remedy. The dates of contact are ; XX/XX/XXXX, via US Mail XX/XX/XXXX, via customer service line XX/XX/XXXX, via US Mail XX/XX/XXXX, US Mail XX/XX/XXXX, US Mail As a result, I am demanding they remove the accounts below. 

Additionally, I am requesting that along with deleting the accounts they submit to payment to me of {$1000.00} per account they have failed to remove over the course of the past year while we have been in communication. 


DEPT OF EDUCATION/XXXX XXXX {$6600.00} DEPT OF EDUCATION/XXXX XXXX {$4200.00} DEPT OF EDUCATION/XXXX XXXX {$8400.00} DEPT OF EDUCATION/XXXX XXXX {$21000.00} DEPT OF EDUCATIONXXXX  XXXX {$21000.00} DEPT OF EDUCATION/XXXX XXXX {$1300.00} DEPT OF EDUCATION/XXXX XXXX {$22000.00} DEPT OF EDUCATION/XXXX XXXX {$20000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$32000.00}

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 2019-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
This is in RE : Capital One Credit card XXXX # XXXX in my name XXXX XXXX XXXX. 

On XX/XX/XXXX, the date of my due date, I called Capital one to make said, and due payment on the above account, which has a balance of {$740.00} ; my credit limit is XXXX. Historically, my minimum payment has ALWAYS been {$25.00} on this credit card account. I made a payment on XX/XX/XXXX of {$80.00} per being past due on my acct due to inability to access Capital One 's pay online system due to it's system giving me verification security codes via phone for security purposes, in a foreign language ( XXXX ), instead of the language I speak ( English ). Consequently, and as such has happened in the past two other times, I was charged late fees. THis issue was fixed by Capital one earlier this month of XXXX. However, last night XX/XX/XXXX, the phone rep said I was calling EST Eastern standard Time and therefore, my payment was to be {$75.00} instead of the usual {$25.00} even though according to my time frame, I was still on time with my payment of {$25.00} ; the woman said her system could not accept, or process a payment of only XXXX. Something seems fishy to me ; why after so many years of paying {$25.00} for my monthly payment, would I now need to be paying {$75.00} to {$80.00} per month? Even if their {$25.00} late fee is applied -- -that does add up to {$75.00} to {$80.00}. My credit limit has NEVER been increased, as I've never asked for an increase in credit limit ; I do not use this VISA card on a regular basis -- -thus, my dispute lies in WHY my monthly minimum payment increased to {$75.00} to {$80.00}. Clearly, I'm nOT alright with this. The resolution I want is to have my monthly payment returned to the normal $ XXXX./month, and to have any late fees that have been applied -- -to be refunded. I also would GREATLY appreciate if Capital one would fix their system so as to receive security verification codes in ENGLISH instead of XXXX!! It seems set this way so that Capital one can charge late fees, due to customer 's not being able to make their payments on time due to not being able to access their online accounts, to pay them, because of language barrier issues. 
I very much look forward to your reply and assistance in dealing with continued problems with this credit card issuer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
MY WIFE AND I BECAME VICTIM TO THE FRAUD INDUCE MONEY ORDER SCAM VIA MONEYGRAM AND XXXX XXXX SCAMMERS. WE LOSSED {$6000.00} AND MORE WITH XXXX XXXX BETWEEN XXXX. WE NOW WANT TO START A CLASSACTION FOR MONEY ORDER FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notified lvnv funding that debt was not mine and they are still trying to collect i would like the debt removed from all three credit burros and stop all attempts to collect

Company response to consumer: Closed with explanation