BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I consolidated my student loans. Navient became the my creditor. First off they said I received a $ XXXXXXXX refund after the consolidation, which I never received or even heard about. 

When I originally had my loans consolidated by the XXXX XXXX XXXX they were $ XXXXXXXX ( approx. ) When I began making payments to Navient, my loans were suddenly over {$80000.00} ( approx ). I have been paying on these loans since XX/XX/XXXX monthly and they haven't decreased at all. 

I called Navient to find out how I could address my student loan debt as my principle amount continued to increase despite payments recommended by Navient. I asked about loan forgiveness because I worked for a non-profit drug and alcohol treatment program as a counselor for many years. I was told that Navient did not offer loan forgiveness. I asked the young woman if there was someone else I could speak to about my options and she told me she was the supervisor and she wished she could help me, she understood my frustration because she had student loans herself she had to pay back. There was nothing they could do for me. I said how can my loans be increasing if I am paying the interest plus principle ( approx $ XXXX. ). She said she didn't know. 

Several months later I called again as I had resigned from my position and was on unemployment. Navient instructed me to get a forbearance on my loans. I did so until I was off unemployment and employed again. They suggested I 2xs that I do an interest only re-payment plan. 


I believe Navient manipulated my ignorance and did not guide me well with repayment options. I believed that Navient misguided me into a forbearance as well as an interest only payment to profit from my ignorance. I further believe that Navient either recorded a refund that they never sent me or that this refund as a result of my loan consolidation was fabricated for their benefit. Finally I believe that Navient hires debt counselors that are not qualified to advise students about their debts to Navient. Taking advantage of students for profit is wrong. 

Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CITIBANK, N.A.
State: TX
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:
Applied for Citibank with mid 700 scores. Was denied due to too many recent inquiries however all but 2 were inquiries for an auto loan. When I called to ask to reconsider the agent told me that if they do another hard pull they should be able to look and approve me because the inquiries were auto however when they did the recon the executive credit analyst informed me they cant see individual credit apps and that it doesnt matter either way. Two hard pulls and i was still denied

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 2017-09-14
Company: EQUIFAX, INC.
State: CO
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:
Hello, I am extremely upset regarding the recent Equifax security breach which has exposed the private information of over 143 million consumers to potential fraud.
The credit reporting agencies need to be regulated and monitored. They need to be held accountable to both the Government as well as to each individual whose data they failed to protect ; especially when the breach was caused by GROSS NEGLIGENCE on the part of the credit reporting agency.
I read an article just a few minutes ago which stated that this all could have been avoided had Equifax applied a software patch that was released back in XX/XX/XXXX. This is INEXCUSABLE and they should be made to pay dearly for their severe error in judgment and failure to protect the private information of so many people. I 'm not talking about a lousy year of " free '' credit monitoring - that should be provided for LIFE to all involved, not just for a year.
I was also quite unnerved by their apparent " magnanimous '' effort to soothe the public by saying that they would not charge for applying or removing credit freezes - FOR 30 DAYS! What nerve! They allow our data to be stolen and try to make us feel like they 're doing us a favor by not charging us to protect ourselves from a situation that THEY caused! Consumers should incur NO FEES whatsoever in instances like this.
I ask that you take whatever action necessary to see that this kind of thing never happens again and that if it does, the company involved will feel GREAT PAIN for their irresponsibility.
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX put collection on my credit reports without my knowledge and in doing so ; this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above  identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
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 XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my privacy 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband and I had a joint checking account with Chase Bank for over 20 years. 
The account was opened while we lived in the XXXX area. After moving to XXXX XXXX XXXX years ago, we opened new bank accounts with a local bank because Chase did not have branches in XXXX XXXX. We had an automatic monthly life insurance premium deducted from the Chase account and automatic monthly deposits for my husband 's small pensions. We accessed this account infrequently because there was no need to. It was simply easier to leave this account in place than close it and change the automatic deduction/deposits. 

In early XX/XX/XXXX my husband noticed that XXXX separate withdrawals had occurred, XX/XX/XXXX in the amount of {$790.00} and XX/XX/XXXX in the amount of {$1500.00}, neither of which we authorized. My husband contacted Chase to report the theft and was told someone would look into it, and in the meantime, a temporary credit would be issued. A few days later in XX/XX/XXXX while talking again with Chase, my husband was told two additional withdrawals had occurred, {$1.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX. My husband had been told by Chase that amounts taken fraudulently and reported within 60 days would be reimbursed. 

While reviewing our Chase account yesterday, we noticed that {$1.00}, {$790.00}, and {$1500.00} had been reimbursed in our account, but the {$1500.00} taken in XX/XX/XXXX had not. The theft of {$1500.00} had been reported on XX/XX/XXXX, 52 days after it had occurred, within the 60 day window. 

I called Chase XX/XX/XXXX to ask about the un-reimbursed {$1500.00} and, incredibly, was told the 60 day window started with the first theft that occurred in XX/XX/XXXX. That the thief was clever enough to withdraw the unnoticeable amount of {$1.00} and wait another three months before withdrawing fraudulently again, it was, according to Chase, our misfortune that the 60 day window had passed. 

We depend on our bank to safeguard our assets and not simply give our money to anyone who asks. We also expect our bank to reimburse for fraudulent activity when reported promptly. Chase 's 60-day window that starts with the first occurrence is arbitrary and harmful to it's customers. My husband was told that after an incidence of fraud is reported, the bank will neither investigate further fraudulent activity nor reimburse the loss ( es ) resulting from fraud. In other words, a thief who repeatedly accesses an account will simply be allowed to do so at a Chase bank. 

In our case, we were victims twice - the first by the unknown person who accessed our account, and by Chase, who has refused to reimburse us for the {$1500.00} loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CACH XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. CACH XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If CACH XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been in contact with Equifax about these inquiries that arent mines they told me to get a police report which I did they have still failed to remove these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have applied for a government travel card with Citibank XX/XX/XXXX and they have not supplied me with one. I have tried to talk to someone to find out what I need to do but I haven't been successful. There are two different cards you can apply for there is onXXXX with a {$3000.00} limit and the other is a {$6000.00} limit. Somewhere along the way, I applied for the higher limit by mistake which was not my intention. I was applying with my leadership walking me through the process. Somewhere along the way the consent to run my credit was checked. I wasn't aware that it would affect me. As I was literally being walked through the application step by step. This happened with one of my initial attempts my credit was run when the card I was trying to apply for your credit isn't checked. The card were credit is not checked is the card that I meant to apply for. I need this Government XXXX XXXX to pay for my lodging and food every month as I am XXXX XXXX XXXX. It's vital to my mission and I am due to deploy overseas next yearXX/XX/XXXX. I am worried that I won't have it when I need it and I will be stranded.

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 2021-04-02
Company: Experian Information Solutions Inc.
State: VA
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:
Mailed the letter to EXPERIAN for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave EXPERIAN any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment

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 2019-02-21
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 is missing that should be on the report

Complaint:
XXXX on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance XXXX has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and XXXX deletes them. I have also reported this to the creditors. XXXX takes months to update accounts creditors are reporting monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to refinance our XXXX in FL with AmeriSave. I was originally quoted a $ XXXX cash out refinance with and a buy down rate option. When I was sent the disclosures the Loan Officer, XXXX said he forgot to include the $ XXXX cash out but to sign the documents to get the loan started and he would make the amendment. I paid the {$500.00} deposit on XX/XX/2020, which was said to be refunded at closing. I then waited several weeks with no one returning my calls, I submitted documents they requested but could not get anyone to speak with or email me back.. I did continuously receive text messages from the company that were computer generated stating that if I needed help to reach out to my loan officer. After several weeks of no contact, XXXX finally called me to say the laws had changed and I could not get the $ XXXX cash out. I said okay then I do not want to move forward with the loan, please refund my {$500.00}. He said okay and let 's talk in the future if the laws change. I agreed and waited for my money to be refunded, which it never was. After multiple calls to XXXX he finally informed me my money would not be returned because an appraisal was conducted. I never received a copy of said appraisal nor would I accept this as the reason for not refunding the {$500.00}. The terms of the loan were never correct and I feel like I have been a victim of predatory lending and a bait and switch. I have called the company at least 10 times for help and no one will call me back.. I am asking to please have AmeriSave refund the {$500.00} to me immediately. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I was purchasing a car under my XXXX and using a CD which required signatures of at least 2 members of the XXXX. We began the signing for the vehicle on XX/XX/11 after establishing a CD with a local bank on a property I was awarded from my my divorce, and because the car dealership was running behind the papers were not completely signed when I had to go to work. My signatures for the XXXX were collected. After I left for work the other member of the XXXX was there to complete the signing for the vehicle and added his personal name for registration and titling of the vehicle without my consent. 

As the vehicle was now registered to the XXXX or ... .. I was compromised from my interest. The individual then registered car in his personal name when it was not in his place to do so and I was damaged. After the registration changed no one would give me information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Westlake Services, LLC
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 requested proper legal documentation from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian 's automated system does not work. It goes in circles and there is no one to speak to for help. It demands you send a request via mail ... which is not useful. 

The law says they need to comply within 3 days of receipt of request in the mail. This is what I will eventually have to do, but I'm furious that they have made it so difficult. 

Whatever faulty piece of information that keeps their automated system from working with me needs to be fixed. And if there is no faulty information, I would say this difficulty is intentional so that they can sell their credit security services ... instead of complying with the spirit of the law.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted dispute and they have failed to inform me of the investigation.

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 2021-01-22
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$35.00}, {$34.00}, {$3800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account.

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