BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: IL
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 have a student loan with Navient. I am on an Income Based Payment Plan. 

My monthly payments are {$180.00}. 

I paid my XXXX balance on XX/XX/2018. 

On XX/XX/XXXX, I check to make sure the payment was applied. But it was only applied to part of my loans and not distributed evenly as agreed upon. This caused me to have a remaining balance of {$100.00}. I called Navient and they fixed the problem BUT If I didn't check myself, I would have been behind payments at no fault of my own. 

Navient couldn't tell my why the problem occurred. And I found out this has been happening for the previous 3 months. I've been over paying my balance and Navient fixes it when its convenient for them. I am sure they are doing this to other consumers! Think about the consumers who don't check or the one who don't call Navient and continue to over pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the month of XX/XX/2018, my home depot card tried to take a payment from one of my banks, it was rejected. I called and card services said they would NOT try again and I should pay be phone..which I  did from a different bank account. Mean while AFTER home depot kept trying to take from my first account ( 4 times ) racking up {$60.00} in over draft fees, final they were able to take another payment. I have called 3 times getting the run around. Now they say I must mail in copies of my bank statements, when you can see on my home depot statement the 2 payments of {$100.00} were made days apart for the same amt. I want one of my payments refunded.

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 2018-08-19
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had an exceptional payment history for at least 10 months now after a bankruptcy last year. No missed payments, paid a loan off and picked up another small one to continue to help build my credit. My credit score dropped by 20 points last month for no reason whatsoever. I have called and tried to get them to explain and they told me they couldnt because they were not qualified to do it. I am under the impression that they are trying to get a little retribution because I sent them a couple of letters, emails, and made some phone calls to try and make them do their job or we would be meeting on the inside of a XXXX XXXX XXXX to let a judge figure it out and they are making an attempt to retaliate against me for it. I made a point to tell them that I am very serious about my credit file now that I have went through a bankruptcy to get a clean slate. Apparently they think I am joking. I missed 2 payments on a car loan in XXXX and XXXX of XXXX but since I havent missed a payment on anything and my credit score has been going down regularly over the last several months. I have had to contact them 5 or 6 times over the course of the last year to try to get information corrected and investigated and they have literally done nothing. They are always wanting to tell me they are reporting what is being reported to them but I am calling my creditors and they are giving me the dates of every time they report to the credit companies but the credit companies will go three or four months sometimes without updating my file with the information that my creditors are giving me and only after I call and complain or dispute are they forced to do their job and at times they still do not do it. I think they should be thoroughly investigate and criminal complaints need to filed against them I will be more than happy to put my signature to them. I have had quite enough of their garbage and they have been warned by me personally several times. I would appreciate anything the CFPB could do to help me in this matter. We will be visiting court if this can not be resolved through this body but I am doing my due diligence to try and get things taking care of before the papers go out. 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 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CAPITAL ONE Neiman Marcus THERE IS A Neiman Marcus STORE CARD OPENED UNDER MY NAME WHICH IS FRAUD ACCOUNT I NEVER APPLIED OR OPENED THIS ACCOUNT AND THEY WILL NOT REMOVE IT FROM MY CREDIT REPORT I HAVE SENT THEM MY POLICE REPORT FOR IDENTITY THEFT AND THEY ARE NOT REMOVING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Every credit report ( all 3 Transunion, XXXX  and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all XXXX bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, 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:
My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the Equifax breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX {$83.00} 8 ) XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i sent all verified of receipts payed for services by XXXX XXXXXXXX to allied collections svcs they continue to say i how money which is not true. i have all receipts showing balance of {$0.00}. it has affected my credit score and i have tried to get this removed with no success.

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 2020-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX, I applied and was approved for a Wells Fargo card for my XXXX XXXX XXXX, XXXX for a credit card with a {$30000.00} credit limit. Wells Fargo offered more, but that's all the credit I felt I needed. Wells Fargo asked for a personal guarantee which was to be faxed to a number they provided. I faxed this signed personal guarantee. 

Shortly thereafter I received letters, calls and emails requesting the personal guarantee. In response to this I faxed the personal guarantee two more times. 

I also tried calling Wells Fargo, and it was impossible to get through to anyone, sometimes waiting on hold for more than 1 hour. 

Finally, I tried sending an email about this through their online system, and I received back a message not addressing my inquiry, but apologizing for long hold times on the phone, and that I should again try to reach them by phone. I wrote back complaining that they did not address my question. 

Shortly thereafter I received a letter saying that I was not approved for the card based on negative information on my credit report. 

This was a colossal waste of time, and I'm upset that I applied and was approved for a card and provided the personal guarantee as they requested but then did not get the card. It seems that once I complained about their service they decided they would not offer the card.

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 2018-02-23
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX sent a fraudulent check for {$1700.00} to Chase Bank. I called Chase agent on XX/XX/18 at about XXXX and told them there may be something coming thur. The agent ask me what is check number. There is no check. She said we can not stop any funds unless we have a check number. She than said watch you account and if you see anything come thur, call Chase and then you can stop the funds because it will be pending. I said ok. On XX/XX/18 at XXXX XXXX I looked at my Chase checking account, it as debited {$1700.00} plus a {$34.00} insufficient funds. My checking account had about {$750.00}. But Chase paid out a {$1700.00} fraudulent check and then said I ow {$1000.00}. Plus {$34.00} over draft. I called Chase up, that morning and ask them to stop that the {$1700.00} check because it was fraudulent. Chase told me the checked cleared and they can not stop it now. I told the chase agent why did you clear that check because I told them the day before it was fraudulent. Why did you not call me up and ask me if they should pay it out since I did not have enough funds in my account. Chase said it up to us to pay it out. I cant believe it. I restricted my account because Chase would not close this account because there is a $ XXXX. balance. Chase paid a fraudulent check. 
The check was made up by XXXX XXXX and said client does not have to sign the check. That should have raise flags. Chase action is also fraudulent. 
Im XXXX, XXXX XXXX XXXX And a Vet. 
Please help me Im attaching a copy of the check. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX, specifically regarding a late payment in XX/XX/2016 on my XXXX credit card, while they were very friendly and did their best they were not able to resolve the issue as their records could not go back further than 2016, I would like to have this late payment removed as I have had this card more than 10 years and other than the one incident, which was due to bank fraud prevention measures being put in place that required me to update and change some banking information, I have had a perfect payment history, Literally 1 missed payment in over 10 years with this card as well as all other cards. I have set up automatic payments to prevent any future missed payments. I take my credit responsibility very serious and would be extremely grateful to be able to remove this nasty blemish on my history. I've had some rough responses from creditors lately after seeing this one 30 day late and its been severely hurting my chances at the best options available. I absolutely appreciate the time taken by the CFPB and XXXX to look at this issue. Thank you both for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to Equifax at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. Equifax and XXXX are still reporting fraud account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection reporting on my credit file by CONVERGENT OUTSOURCING that is not mine. I have contacted them and I was informed that they could not locate this. I verified with them all my personal information they requested and still no success in locating me. Im asking for help in removing this from my credit report. It was reported on XXXX and the amount is {$210.00}

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 2019-09-03
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Early Warning Services is reporting both XXXX XXXX, and XXXX XXXX XXXX XXXX on my consumer report. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported, I am unable to obtain any membership through my local credit unions. Early Earning Services is aware that I am a victim of Identity Theft, yet they still have not removed it from my report. They have not even sent any documentation as to why they believe the account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2021-04-24
Company: WELLS FARGO & COMPANY
State: TN
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 wells Fargo jewelry card and tried to contact them to get into a hardship program and could not get a representative on the phone or sign up online. This caused me to be 30 days late, I would like to have this removed due to that and the cares act.

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 2017-11-08
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was settled for lesser amount. Collection agency refused to remove debt from credit report after collecting and verbally agreeing on settlement. Debt company received settlement payment and refused to remove debt or list debt as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I believe that someone went into my locker and stole my credit card. I have charges on my card that sum up to {$960.00} which I there is no way they should be able bill me for because it wasn't me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19
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:
Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation