BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient I called Navient on XX/XX/XXXX to inquire about making additional payments on my student loan. The rep and I discussed how my payments were being applied and when it would be best to make the payments every month based on accrued interest and such. 1st problem, she told me that my entire payment was going to accrued interest since my accrued interest had not been paid off, which is not true. For the loans that still have accrued interest, the portion of my payment is going to the interest, but the rest of my payment is going towards a mix of principle and interest for the other loans. I ended the call feeling like I got most of the information I needed. 5 days later, I get a notification that Navient was raising my payment by {$140.00} a month. I called in today to figure out what happened, and the gentleman I spoke to said that in the notes it showed that, on XX/XX/XXXX, I had requested to be removed from my income based repayment plan, and because I did n't send in the proper paperwork, they raised my payment to {$440.00} a month where it used to be {$300.00}. At no point during my conversation with the girl on XX/XX/XXXX did I request to be removed from my current payment plan. That request was put in without my consent or my knowledge. The gentleman I spoke to today put a request in to get my payment plan reinstated, so the issue should be resolved, but the rep I spoke to on XX/XX/XXXX made changes to my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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: Account status incorrect

Complaint:
Creditor XXXX XXXX XXXX mistakenly reported me as having late payments. I spoke with the creditor and they corrected the issue on their end and submitted the proper information to the credit bureaus. Other credit bureaus have corrected that mistake but TRANSUNION did not for more than 30 days. None of my accounts are delinquent but they are showing them that they are.

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 2018-04-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX hasn't removed 3 claimed late payments from my credit report. The dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show up on my credit report as being 30 days late. However I have never made a late payment. Upon disputing the claim with XXXX XXXX XXXX they have failed to provide a response since XX/XX/XXXX. It is now mid XX/XX/XXXX and I have yet to receive a resolution to this dispute which is adversely and unfairly affecting my credit score. Not only have I been making on time payments but have also paid double the monthly balance to pay off the loan quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Colony Brands, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reached out to XXXX XXXX, and explained to them I have never had an account with their company. They told me to complete this forma nd they w3ill investigate it. This is affecting my credit and would like it to be removed immediately. 

-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
GREETINGS CFPB, MY COMPLAINT IS AT H.U.D. ALREADY SIX MONTHS, IT IS PREVENTING ME FROM REFINANCING, TO PAY OFF MY BUSINESS, UNDER ESCROW AT XXXX TITLE CO, XXXX CA. DUE ON XXXXPROPERTY TAX LIENS PLACED ON ME FROM XXXX XXXX GOVERNMENT XXXX XXXX. I PAID THE LIEN AND THEY GAVE ME $ XXXX WAIVER UNDER THE FEDERAL HOMESTEADERS ACT. BUT THEY DOUBLED MY TAX. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX JURY ON XXXX AND THEY HID MY CASE FROM ME .I FILED TO SHUT DOWN THE GOVERNMENT CENTER AND REMOVE THEIR BUDGETS. THE XXXX SUPERIOR COURT HELPS ONLY THEIR XXXX MEMBERS AND ENFORCE THIER OWN CA CONSTITUTION. THEY WERE RUNNING THEIR XXXX GOVERNMENT HERE, XXXX IS THE EPICENTER FOR XXXX EXPANSIONISM. SOME OF MY FAMILY MEMBERS AND FREINDS ARE ALSO XXXX. THEY GAVE THEIR MEMBERS XXXX50 % OF RESIDENTS, ALL COMMUNISTS XXXX INMATES FROM THE HANFORD CA E.D.D OFFICE, THEY ARE NOW SHUT DOWN. I NEED HELP CLEARING MY HOME FROM TAX LIENS, I AM XXXX GANG SUPPRESSION FOR XXXX DISTRICT ONLY. THE COMMUNISTS PLACED THESE LIENS ON ME TO RUN ME OFF ONLY D.A.C.A. RECIPIENTS ARE INVOLVED IN TERRORISM RUN BY THE KNIGHTS OF XXXX XXXX IDENTIFIED BY A RANK STAR RATING.MY CASE WITH NATIONAL HUMAN TRAFFICKING ORG.CLEARED THEM OUT # XXXX SUBMITED A COURT XXXX FORM IN XXXX XXXX XXXX UNDER MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an Ally Invest account and the issues first arose when I accidentally created a short position and sold to open a call. 

I noticed I only received partial credit for it but thought it would eventually get deposited seeing as it showed in my unsettled funds, however, the very next day the unsettled funds showed as nothing. So there goes about XXXX completely gone with no trace. 

Now today, I never received credit for a sale that I made. I had about {$800.00} in my account and went to sell another position for about {$900.00}. Immediately after my balance showed as {$0.00} and all my money is now gone. 

I can't even go back to trace the previous amounts that I was never credited but I just today, plain as day, that my money has disappeared out of nowhere and nobody knows what's going on. There is no record of my balance just a big fat XXXX. 

This is complete robbery and illegal.

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 2021-04-08
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I have tried, in vain, it appears to get Sears Citi Executive rep XXXX to fix the inaccurate reporting from my XXXX  credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the Sears correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have Sears correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.

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 2021-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Citizens One bank continual problems and they delegate the blame and responsibilities to persons replying with NON relevant information and misleading information their inability to explain their own actions or inactions ... NOW I made a liump principle payment YESTERDAY via Electronic bank transfer.. their website took the payment and gave this reference number s-XXXX. today a full day later I checked my account just now and it shows NO payment at all from yesterday.. this bank is NOT crediting payments properly or timely more proof how they ripp off extra interest.. as of this writing my account shows no payment yesterday and it was electronic should have been immediate but this bank drags its feet when it decides to credit payments so they can collect extra interest for extra days THATS FRAUD and EXTORTION ... as said before this bank misleads clients as well the garbage they sent me had nothing to do with my actual payments and indicated I was paying more interest than I should be and now I have more proof because they arent even crediting immediate payments on the same day even.. they are bilking the public and you know a few dollars to millions of people adds up every month doesnt it ... ask this bank. My account I checked today doesnt even show yesterdays payment anywhere on my account page so answer me this how did they generate that confirmation number?? and never bothered to credit the account when the payment was actually made???? I think they continue to do this for extra interest monies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

XXXX of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

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 2018-10-15
Company: Experian Information Solutions Inc.
State: IL
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:
Dear CFPB, Last year I received a bill from XXXX. However, I never signed a contract with them. A while after I checked my credit report and an address was found. This was an address I was never familiar with. I reported this dispute last to Experian, not much was done. Please respond to the earliest convenience. I can be reached in the early evening XXXX. 
Thank you again.

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 2020-11-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After the death of my mother on XX/XX/2020, I started being contacted by Chase bank for payment of a balance of an overdraft protection account in my name. This was the first that I learned that my mother had stolen my identity to open the account when I was approximately XXXX. When I informed Chase that was a fraudulently opened account they did not transfer me to fraud claims. They told me tough luck, it didnt matter if I didnt open the account or that it was opened through identity theft when I was I minor. They told me that since I had recently turned XXXX, I was responsible for the fraudulent account and needed to make payment arrangements or they would report me to collections. They tried to coerce me repeatedly into assuming fraudulent debt. They even told me that I should just pay it even if it wasnt mine or they would keep calling and reminding me of my mothers recent death.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-15
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: HI
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 made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXX never been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF XXXX XXXX XXXX IS ATTEMPTING TO COLLECT FOR XXXX XXXX XXXX FRAUDULENT DEBT. 
They have placed this debt wrongfully on my TRANSUNION CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.

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 2018-03-29
Company: Harley Davidson Financial Services Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have tried to fix this numerous times with no luck and they have to license to collect in my state and repossessed the bike and sold it for nothing and the debt is over 4 yrs. in Texas making it over with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2018-07-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. XXXX is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. 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. I am writing to request that you please DELETE this account from my credit and 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 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 2018-05-07
Company: ALLY FINANCIAL INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-08-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call at my place of business today ( XX/XX/18 ). The person on the phone identified himself as XXXX XXXX and in a very rude and condescending tone informed me that XXXX XXXX XXXX wanted to settle a debt with me. When I requested to have everything in writing, he became belligerent and stated that he will just contact my payroll dept. I told him that he is not to contact me at my job and ended the call. He called right back and I answered the phone. He did not realize it was me that answered and proceeded to disclose his reason for his call which he is not supposed to do. He proceeded to be very abusive in his tone and language and stated Ha!, you think I can find the number to you payroll dept.? Your worker is in the wrong. The abusive phone calls need to stop.

Company response to consumer: Closed with explanation