BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: IN
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:
After graduating from XXXX XXXX in XX/XX/XXXX with an XXXX XXXX XXXX & XXXX XXXX XXXX, my Student Loan Service Provider immediately began deceiving me into believing that Deferment & Forbearance were the only repayment options for my {$30000.00} in Federal Student Loans. I asked multiple times about different payment options and each time, the providers put me into a program that increased my balance without ever telling me that I could make a smaller monthly payment ( my payment was always just out of reach ).

After my service loan provider switched from XX/XX/XXXX to Navient ( without my full understanding and not at my request ), I found myself 2 months behind on payments. One payment went to the wrong provider and another payment simply didn't process when Navient began processing payments. During this time, I was given conflicting information about when my payment would actually become due. Before I was able to correct the problem with Navient, they began automatically forwarding phone calls from my number to their overseas debt collectors. The people who were answering the phone told me they did not work for Navient and told me that " you are not able to speak with a Navient employee until your account is current ''.

THIS PROCESS OF NOT ALLOWING ME TO SPEAK WITH AN EMPLOYEE OF MY STUDENT LOAN PROVIDER WAS USED AS A WEAPON AGAINST ME!! After several weeks and multiple calls ( ALL OF WHICH AUTOMATICALLY FORWARDED TO XXXX  ), I agreed with the Off-shore debt collectors to go into forbearance so that I could again talk to Navient employees rather than outside debt collectors whom at the time, SEEMED to barely understand English.

These Off-shore debt collectors were USED BY NAVIENT to convince me that Forbearance was my only option. They told me that I would have to deal with the debt collectors until my account was current, they threatened to garnish my wages, get a judgement against me and take my tax refund check. Looking back now, I realize that Navient forwarded my calls to an outside debt collector for no reason except to FORCE ME INTO A 10+ YEAR LONG PROCESS OF Forbearance that has increased my total Student Loan Debt!

When I first went on forbearance, I felt powerless and frustrated! Now looking back at the timing of these issues, which coincided with BOTH my Chapter XXXX Bankruptcy in XX/XX/XXXX and also Navient 's email motto of " Forbeare them '', I am MAD! 

I FEEL CHEATED! 

If these folks would have worked with me in XX/XX/XXXX, I would have been able to come out of Bankruptcy and been able to pay them $ XXXX $ 150 monthly on an Income Based Repayment Program. Had they explained that this option existed INSTEAD OF SENDING MY CALLS TO XXXX, my Student Loan Balance today would be PAID IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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:
Not sure how many times and how many ways one can say that his identity has been compromised and used to fraudulently open up accounts and hospital Bill 's inwhich that is the case here, Therefore I'm demanding that the following accounts be removed and blocked from my credit file immediately. 

1 ) XXXX  XXXX  {$1400.00} 2 ) XXXX XXXX {$1300.00} 3 )  XXXX XXXX XXXX  {$14000.00} 4 ) XXXX XXXX {$4100.00} I'm requesting physical documentation inwhich supports the major credit bureaus for reporting these accounts. Exactly what Method of Verification was used when reporting these fraudulent accounts to my credit file. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Square Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had XXXX on my cashapp they changed the banking routing number wiithout my consent and it doesnt let me change it to mine which is was before. Invalid card to cash out it says and no consumer customer support number and the email they never actually resolve the issue tell you stuff you already tried.. .. I had on my account and closed my account down. My name is XXXX XXXX on it. I tried sending the XXXX back to my cousin and it wouldnt let me refund it like usual. They cant steal peoples money like tht. I was using the app for almost 2 years no problems until about 3 or 4 months  ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Resurgent Capital Services, Collector, under the name of Lvnv Funding, is reporting on XXXX Credit Reporting an account # XXXX due in the amount of {$680.00} which is paid, with the original creditor XXXX/XXXX under account # # XXXX which is reported by the original creditor as paid XXXX balanced.I need this account closed, It's false and need to be reported closed.Lvnv Funding need to do this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke to XXXX XXXX for {$460.00} for XXXX and I do not have. Live in a private community that provides free cable with XXXX XXXX. Spoke to them on XX/XX/19 and explained situation and would not listened to me. Called again this week at XXXX spoke to a XXXX XXXX and settle on account for {$250.00} to be taken off my credit and to send me a letter showing this. Number makes a weird sound now and they got the money and never sent letter to me email or took collection off my credit. I proof that I made payment of {$250.00} to settle and get my credit situation corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: EQUIFAX, INC.
State: WA
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:
We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: U.S. BANCORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I assumed a lease with U.S. Bank from an original lessee in MO that originated on XX/XX/XXXX. On XX/XX/XXXX, I was charged for property taxes assessed in the amount of {$1100.00} in the name of the original lessee in MO ; of which I am not the original lessee nor have I ever been a resident of this location. On XX/XX/XXXX, I requested a copy of the original property tax statement, via telephone, showing the taxes assessed in my name. I did not receive a copy of the property tax statement, but I received a copy of the official tax payment receipt eight months later ( printed by U.S. Bank on XX/XX/XXXX ). I contacted the XXXX County MO tax assessor to confirm their property tax laws, of which U.S. Bank did not apply within the Motor Vehicle Lease Assumption Agreement. U.S. Bank should have been attentive to the details of the XXXX County Missouri property tax laws at the time of the lease assumption, informed the original lessee, and noted the forthcoming personal property taxes due from them on the Agreement and as a condition to transfer the lease.

I have spent hours on the phone with U.S. Bank in regards to this issue ( since XX/XX/XXXX ) requesting : the official property tax statement, a property tax dispute, a property tax dispute request letter of submission in writing, a property tax dispute denial letter in writing, and the contact information of the tax department and/or the person who determined the dispute to be denied. Only, to be transferred to every other department but the tax department, having no record of the tax dispute denial letter, refusing to provide bank-based contact information of relevant points of contact, and not returning calls or responding to emails. I still to this day, have not received a tax dispute request letter of submission, a tax dispute denial letter, or the contact information of the point of contact who denied the dispute. 

This property tax dispute has been extremely stressful and unnecessarily time consuming. It has delayed my intentions of getting another vehicle, because of persistently communicating my law abiding argument and my concerns to prevent negative and erroneous credit reporting. As a XXXX veteran, this dispute has affected my health, created a financial burden for transportation to medical appointments, and remains unscrupulously unresolved. As a result of U.S. Banks imposition of predatory lending practices during this dispute, of coercive attempts to accept the responsibility of unlawfully charged and un-owned property taxes, through their actions of deceptive communication including failure to disclose and provide information ; I have contacted legal representation.

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 2018-01-01
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a car through XXXX XXXX XXXX in XXXX XXXX FL several years ago through credit acceptance. I have paid extra money plus regular payments charged per month. They have charged me extremely high interest and fees making difficult to pay loan off. I have called financing company to lower interest but no such luck. car loan is automatically taken out of bank account. I have never been late paying nor never missed a payment. In addition they have put non accurate information on credit report for amount paid. Since purchasing car XXXX XXXX went out of business. I think it should be illegal to charge so much interest and fees against people with low credit. I am XXXX veteran and feel there is no end in sight of ever paying off credit acceptance.

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 2017-07-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am a victim of the Equifax data breach and have been unable to retrieve my own credit reports ( due to fraud ) for over 3 years. I send proof of my identity and if they respond at

all ( sometimes they don't ) it is to tell me I have not proved myself to them. I have complied with all of their requests regarding identification and am tired of copying documents at the library to no avail. I can't even begin to repair from the fraud damage until I see the reports and in the meanwhile my id is being used to open all kinds of accounts. I have not used the credit system in over 10 years but am unable to get a job or an apartment because of factors outside of my control, which is totally unacceptable. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with BB & T on a property in Virginia. In planning the estate we wanted to transfer the deed to the property to our daughter while retaining life estate. In our initial phone calls to the bank, the local branch manager stated that changes to the deed would not affect their current mortgage. After speaking with our attorney, we asked BB & T what language would need to be in the transfer deed to acknowledge the existing deed of trust. After this meeting BB & T stated they would not accept a life estate deed as this would trigger the due on sale clause. BB & T stated that their policy was only deed transfers to Revocable Living Trusts or straight deed transfers were allowable under the Garn St Germain Act of 1982. After reading this act, the law states " a lender may not exercise its option pursuant to a due-on-sale clause upon ... ... a transfer to a relative resulting from the death of a borrower ( or ) .... a transfer where the spouse or children of the borrower become an owner of the property ''. It is our opinion that if this is in fact BB & T 's policy that life estate deeds trigger the due on sale clause, then this does not comply with the intent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act.  611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may no t be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. The account was originally deleted with SYNDICATED OFFICE SYSTEMS, it was reinserted to my credit file without " certifying that the information is complete and accurate. I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to purchase a home. These are clear violations of the FCRA, I ask that my request for deletion be expedited. Thank you for your consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I signed a lease with the apartment complex XXXX XXXX. I work out of town so I was in and out of the apartment for the months XX/XX/XXXX -XX/XX/XXXX. To pay the rent I would mail a money order thru the United States Postal office. During the month of XXXX I decided to pay my rent in person. When I went in my apartment everything was gone and trashed out. I then went to the apartment manager and showed her what had happen. Before I left i told the whole leasing office that i would not be there. So upon my investigation around the complex, i was alerted that the maintenance men had stolen my things. Because there was n't any forced entrance the police would not write a police report, and the leasing manager was there to witness this. Once we sat down and talked she stated if I paid my XX/XX/XXXX rent i would not be responsible for XX/XX/XXXX and XX/XX/XXXX, which my lease was up then. My deposit was kept and I paid the remanding balance of XXXX . I have pictures of my apartment trashed and of the document signed stating I did not owe anything else. Also since this incident the whole leasing office has been fired due to unprofessional conduct that where done in this company. When i tried to contact the collection agency who has the account I was hung up on and treated very rudely. The whole thing has gotten out of hand they are just very unprofessional and do not stick to their words. They keep on reporting on my credit as if it is a new account which its over 6 years old and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Certegy Holdings, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
I am a victim of identity theft and have worked hard to get inaccurate information from the credit reporting companies that are out there! I requested a report from Certegy and found 1 item that I was sure that was not mine. I asked them to remove it from my file.

They refused. They said it was not a negative entry. First, it was not my check cashing transaction and it was noted, " Not authorized-reason below ''.

" This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. Factors may include a combination of the check number, dollar amount, check cashing history or other transaction details. '' I was not the person that presented this check to cash so I requested that it be removed, however each and every time I talked with them they refused.

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 2021-07-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted by phone multiple times and attempted to get information on where and when this debt was incurred. I received no information only that they purchased this debt and I better pay it. I am exhausted from trying to resolve this problem.

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 2019-02-24
Company: The CBE Group, Inc.
State: CA
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:
Some used my personal information on XXXX. XXXX billed me for {$100.00} when I was not doing any business with them or using their services in any way. I provided them legal documents proving it was identity fraud. I filed bankruptcy and my attorney told me to list the debt to get it XXXX. I did, notifying both XXXX and CBE of the filing and then once the Chapter XXXX XXXX  was granted. I have made it clear to CBE at least three times after the discharge, mailing them copies of the judge 's order and how they were violating the law by continuing to bill me. I get another bill today, they are still billing and reporting on a debt owed which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: TX
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:
Got this letter XX/XX/XXXX SO how could date open be XX/XX/XXXX, OK ( 1 ) that's the first MISTAKE XXXX and Experian so what to admit this is a mistake, ( 2 ) Looking at document Annual Percentage Rate ( The cost of your yearly credit ) o, ( 3 ) Finance Charge 0, ( 4 ) Amount Finance {$380.00} and yet the credit report states {$340.00} then it states a payment was made of {$25.00} ( I have never made a payment as I was paid with direct deposit XXXX and that check was taken to cover the Balance. ) BUT let me stay on base, Then the high credit was {$380.00} BUT they state I was never LATE/ Written OFF XX/XX/XXXX. Then they state pass due NOW in XX/XX/XXXX {$1900.00}. Ok once I open and did a dispute an that got mad and added all the different amounts, That's no LEGAL they have to report nothing BUT the truth and XXXX XXXX XXXX XXXX have failed to do so, AND furthermore they lie and have been as when an investigation is open they provide FALSE information to the Credit companies knowing they haven't proved or can provide any corrected information. SO what are you going to do.

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