BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX XXXX was debited from my checking by Navient through an electronic check ; the check noted " Verbally Authorized by Your Depositor ''. While Navient has my permission to obtain electronic monthly payments from me on the last day of every month, for a calculated payment, mine for the past six since months ( since XX/XX/XXXX ) has been XXXX. I never received any correspondence informing me my payment was going to increase. I went through this same dilemma back in XX/XX/XXXX when they charged me {$700.00} without informing me of the changes. While they did refund me for that incorrect amount at the time, it was painstaking. While I have confidence they will also refund me this time around, I am so angered that anyone should have to go through this in the first place. They continually fail to inform borrowers that their payments will be changing and for how much ; it has to stop. I am taking this action today as it is really the only action I can take on a Saturday. This transaction was posted to my account on a Friday evening and I have been unable to resolve any issues with Navient as they're closed over the weekend. I attempted to make headway with my personal financial institution but their dispute department is also closed for the weekend.

I am requesting three things : First, to be refunded in the total of {$590.00} immediately. I never received any correspondence for monthly payments increasing to the deducted amount. My permission, verbal or otherwise, to be charged for {$590.00} was never obtained by the company. If, after the fact, Navient tries to inform me that an IBR plan expired and I did not complete the required paperwork, I will note that I never received correspondence about an IBR plan expiring, nor about what my new monthly payment would look like. My second request is to be sent correspondence at least 60 days prior to a plan expiring that contains detailed information on how to renew and/or extend your plan. Finally, Navient should never be allowed to charge a borrower anything other than what is reflected in their monthly billing statements. If Navient has intent to the aforementioned, then I am requesting for notification at least 30 days in advance to when a fee will increase, explaining why, and listing in detail what actions the borrower can take if they are unable to afford to make those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: NC
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 a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXXXXXX 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
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX  XXXX XXXX and 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act these convergent accountS have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 section 604 A. SECTION 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

Accounts as follows XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX  - Balance of XXXX Open date open XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXXXXXX XXXX XXXX balance of XXXX Open date XX/XX/XXXX XXXX. XXXX, XXXX. 
Balance of XXXX. 

Inquiries 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 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 2019-02-02
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: Public record information inaccurate

Complaint:
I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX  XXXX and Experian deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.

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 2023-08-22
Company: KP ASSET CONSULTING LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX has hired a company called KP Asset Consultings. They have called me several times stating I have a lawsuit, after I spoke to them and told them Im under a debt consolidation program with XXXX XXXX XXXX XXXX They still have continued to call me. On XX/XX/23 they started contacting my mom by text and phone calls. I also sent a letter to XXXX XXXX loans from my lawyer stating their debt is under this program and they should no longer be contacting me, they need to contact the lawyer group. The phone calls have been more of a threat of a lawsuit and being arrested.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-11
Company: CITIBANK, N.A.
State: TX
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:
2 payments were taken out of my account 1 manual payment of XXXX and a second auto payment of XXXX, ( my total balance was {$940.00} which I paid in full manually so the XXXX was a payment on a balance of {$0.00} ) The payment of XXXX was never received by the credit card company, even though my bank statment shows it was made to Citi. 

bank filed as a lost check, but once that was approved Citi add a {$940.00} statement saying I owed that money back to the company Tried to provide statements from my banks to citi but they seemed uninterested in those, likely because it provides proof that citi was sent the money they are claiming they never received

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 2023-07-10
Company: EQUIFAX, INC.
State: NC
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:
The following accounts are not mine and have not been investigated properly using XXXX XXXX compliance and according to the FCRA standards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX own website says it takes up to 30 days to investigate accounts. But these account keep coming back verified in only XXXX days how is that possible if you are following the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-02
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: Public record information inaccurate

Complaint:
I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX Equifax and XXXX deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Home Owners Insurance premium payment is due on XX/XX/2019, failing which the insurance coverage will be terminated and I will be out of coverage. The amount for the insurance are escrowed and there is sufficient funds available in my Escrow account to cover for these payments. However, the MyLoancare has not yet made any payments to my insurance company. 

When I reached out to them today, they tell me that there is a service hold on my account and that my payments are not going to be made on time. The customer service agent couldnt not provide any more information beyond this and they were not sure if the payments were going to be made on time. This is totally unacceptable. Am I supposed to be following up and finding this out the last day myself? What if I never called up to check the status? Would I have never been informed that my escrow payments are on hold? I have opted for E-statements and e-communications. So if they ever notified me of any such delays, I would have instantly received information about it. So far, I have not received any communication about it through email or by postal mail. 

And most importantly, what is MyLoancare going to do if my Insurance is cancelled? Am I supposed be staying without insurance coverage? Who is going to pay late payment fees or any increase in payments now because the renewal rate expired?

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 2023-07-15
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:
Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX A XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a loan modification in XXXX of XXXX. Due to COVID 19, the company extended three trial payment through XX/XX/XXXX. The trial modification was to include removing my former wife from the loan documents. Now after they have taken my money once again they still say they can not remove my former wife from the loan. I have asked and have been told numerous times how it must work to remove my former wife any number of times. I have written documentation from the Ombudsmen from XX/XX/XXXX that reads they in fact will remove my former wife name from the account, I have been going through this for 5 Years now, in addition I have offered to deal with this situation through a mediator. 

The loan was discharge through a bankruptcy, I was not told in could not be assumed.I have been trying to settle this for ages, how do I get some help here XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter on XX/XX/2018 appearing as an offer to consolidate my student loans under the Federal Student Loan Forgiveness Program. After calling the number given I was greeted with an agent that said they worked for Navient. They gave my student loan servicer, loan amounts and then I was asked to verify my information to verify my identity. As asked for, I offered my FSA ID, PIN, employer name and status and gross annual wage information. They told me that I definitely qualified for the student loan forgiveness program and would only need to make payments to them per month towards my student loans for 10 years after which my loans would be 100 % forgiven. I would first need to make a large Loan Service payment in order to process the consolidation. They would only accept Direct Bank Transfers. Given that they were posing as a government agency and the fact that they had my data before I even offered it.I gave them this information as well. They said they would then send my loan to be serviced by a private company XXXX XXXX. That my loan statments would show up as {$0.00} owed but that was because XXXX XXXX would have already made the withdrawal from my account and I shouldn't worry about that as it was just a receipt acknowledging my payment. I signed an agreement under the false information they had just provided me over the phone and was none-the-wiser for it. Because my loan was actually {$0.00} due each month I never suspected that I was being scammed and my credit report reflected that I was good on my payments to my student loan. It wasn't until 11 months later when verifying that my student loan renewal information was correctly received that I found that while Navient is an official government student loan servicer I never had my loan put into the Federal Student Loan Forgiveness program and also that I had made 0 payments on my loans since consolidating them into Navient. It was at this point I was made aware that I had been scammed. Upon reviewing all of my account information with Navient I found that XXXX XXXX had logged into my account with Navient and had changed my email in an attempt to subvert the control of information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
CHASE BANK HAS NOT BEEN EXPLICIT IN EXPEDITING MY COMPLAINTS ABOUT CHARGES BEEN APPLIED TO OUR BANK ACCOUNT INCORRECTLY, AS I DISPUTES TO THEM WHAT ARE THEY FOR AND WHAT NOT. ACCORDING TO INFORMATIONS I'VE RECEIVED FROM THE CHASE BANK TO DAY! IT DOESN'T HELP BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO OUR BANK ACCOUNT DISHONESTLY. THE DISCRIPTION SENT TO ME TODAY : XX/XX/XXXX WITH AMOUNT DOESN'T MAKE ANY SENSE. BECAUSE, I DON'T KNOW WERE THESE MONIES HAVE GONE TO : THAT I'M NOT SEEN IT IN MY STATEMENT BEEN DEPOSITED BACK TO MY ACCOUNT, ARIGHT SHOWN FROM THEIR REPORTS, AND REPLY TO MY DISPUTES. I AM SINCERELY CONCERNED ABOUT CONSTERNATIOIN ACTIVITY MIGHT LEAD THE WAY TOWARD CONCEALEMNTAGAINST ME AND MY WIFE. DUE TO OUR AGING ELDERLY STANDARD. THANKS FOR ANY HELP GIVEN TO RELE GATE THIS FINANCIAL MATTER WITH CHASE BANK IT HAPPENED FROM XX/XX/XXXX & XX/XX/XXXX WITH XXXX XXXX WHEN WE WERE TRAVELING TO XXXX, HAWAII FOR MY SISTER 'S FUNERAL THEN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-29
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights

Company response to consumer: Closed with non-monetary relief