BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the past 10+ years since graduating from XXXX I have inquired to Navient ( previously servicing as SallieMae ) as to having my aunt removed as co-signor to my student loans. I was initially told that I needed two years of payments to qualify for co-signor release. I asked over multiple calls if these could be through any type of payment plan and was assured any type qualified. After making interest only payments ( while in XXXX  school ) I applied for co-signor release and was then told only interest and principal payments qualified. I then spent another two years making payments and re-applied for co-signor release. I the received a notice that not all my payments over the previous 24 months were timely. When I reviewed the payment history, the few payments indicated as received after the due date were all within 1-2 days after some of which included occasions when the due date fell on a weekend. I continued making payments, ensuring each was received prior to the due date and re-applied 2 additional times for the release. Each time I received a reply that my credit does not meet their criteria. My current yearly income exceeds my current student loan balance and my household income which includes my husbands income is nearly triple my student loan balance. I last applied for co-signor release in XXXX and XX/XX/2018 ( fax confirmations attached ). Each time I received NO response from Navient despite a hard credit inquiry in XX/XX/2018 ( credit bureau item attached ). After years of timely payments and sufficient income I should no longer be required to maintain a co-signor for my loans so that my aunt, who graciously co-signed the student loans of a young XXXX student nearly 15 years ago, no longer has to be impacted by these loans that I have proven to be fully responsible for and capable of repaying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX, my husband and I acquired a 72 month loan for {$19000.00} through JP Morgan Chase, as a lease buy-out for a XXXX XXXX XXXX. 
On XX/XX/XXXX, we were involved in an auto accident while driving the subject vehicle, and filed an insurance claim. 
On XX/XX/XXXX, our insurance company notified us that the vehicle was deemed as a total loss. The claims adjuster also stated that per the Department of Motor Vehicle, the owner of the vehicle was listed as JP Morgan Chase ; whereas my husband and I should be listed as owners and JP Morgan Chase as the lien holder. Unfortunately, XXXX XXXX is unable to payoff our auto loan that has a remaining principal balance of {$14000.00}, until we are listed as owners of the XXXX. 
I immediately contacted Chase, and spoke to a representative who confirmed the title did in-fact, list them as the owners, and he did not know why. The representative then said he would submit a ticket for this to be looked into, and I should hear something back by XX/XX/XXXX. 
Today, XX/XX/XXXX, I called Chase back to see if they filed for the title yet? The representative who I spoke to told me that they filed for the title on XX/XX/XXXX via XXXX. She stated it may take up to 60 days for the title to be processed ; and due to COVID, it may take longer. I called my local County Clerk and Recorder 's office to see if they received the title request and if there was anything that I could do to help rectify the situation. The County Clerk 's office stated they had no record of receiving the title request and there were no current delays with filing titles to vehicles. 
I then made another phone call to Chase, and spoke to a customer service representative who stated it appeared that nothing had been processed for our title at this time and she would send the necessary paperwork to their title department to be processed. 
In the meantime, I am responsible for making principal and interest payments for a vehicle that could be paid in full, had they processed the paperwork correctly. Chase has stated it may take until XX/XX/XXXX to investigate why they have not filed for the title. It may take up to 60 days to receive the title. It may take up to an additional 30 days after the payoff is received, to process the lien release. Again, during this time, the loan is accumulating interest. 
Chase has sent me miscellaneous loan documents to be re-signed multiple times. I have complied with each and every request. 
I requested for them to contact my insurance company in order to resolve this issue, but they were unwilling. 
What are my rights as a consumer? Is Chase required to forgive any interest/finance charges that are accumulating during this time? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a car loan from navy fed and unfortunately lost my job and haven't been able to pay but they shut all of my other accounts and took the money I had in my savings and checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While I was in the process of trying to rent an apartment my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from identity XXXX to check the reason Iwas denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These account do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$430.00} LXXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$760.00} XXXX XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$830.00} XXXX XXXX {$93.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: GA
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:
NO XXXX XXXX for this dispute and I repeat do not use XXXX XXXX. Hello my name is XXXX XXXX I am in fact a natural original person. I am sending this complaint in regards to several accounts I have notice to be fraudulent and inaccurate. XXXX XXXX, XXXX XXXX. I have no prior knowledge as to why this is reporting on my consumer report. I have filed a lawsuit against XXXX XXXX along with Equifax, XXXX and XXXX. You shall be receiving a notice from the Attorney General and The XXXX Court House. My rights to privacy has been invaded and I am very distrait to the situation and I am not a happy individual. I am only allowing 48 hours and I will follow up within 3 days. This is my final attempt to resolve this matter or else I am going to litigate this situation. I have sent 2 Affidavit notice and certified mail with court documents more than 90 days ago the FTC report is attached. Do your due diligence and take this matter very seriously as it pertains to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX i received emails stating that my payment plan had been changed. I had just submitted my yearly recertification in XXXX for my IDR plan. It was approved and recalculated on XX/XX/XXXX. There was no explanation as to why my payment plan was switched other than a system error. This resulted in capitalization in my interest on XX/XX/XXXX and again on XX/XX/XXXX when my plan was switched back to the IDR plan to allow me to continue in the PSLF program i am nearly 5 years in. I received letter on XX/XX/XXXX stating my request to reverse my capitalization has been approved and completed and also received another letter on XX/XX/XXXX stating the same thing. I have called numerous times and continue to get bounced around to someone that can tell me what happened and when i can expect this to be fixed as the information i have been given is that this is completed. Due to this system error that occurred in XXXX i have experienced a delay in payments that qualify for the PSLF program along with an increase in payment amount due to the capitalized interest. The information provided to the public states that we pay a percentage of our income towards our student loans and no one can give a straight answer as to why this is the case or when i can expect this to be fully resolved. My student loan principal balance is {$8000.00} dollars higher at this time and continue to make the higher payments in fear if i miss i will not qualify for PSLF anymore given the strict policies. I have expressed and tried to work with XXXX XXXX on many levels to get this resolved however for a system error that occurred overnight on their part it is unacceptable for it to take 4 months to resolve. I feel XXXX XXXX needs to be investigated for unjust student loan practices involving the capitalization of interest for unknown reasons and untimely resolution of problems resulting in the disruption of repayments and lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: NC
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: Other problem getting your report or credit score

Complaint:
The credit company experian refuses to give my people a credit score, they are reporting my score if I pay there membership fee and they say they have no control over my score but are showing a credit score only on line if I pay. My lender pulled my credit score and still shows unavailable. I called the company experian and they keep making excuses, also there are many things on my credit report that they wont remove. They keep charging me after I called and canceled my membership many times. They say there is no refund. I believe that experian is committed many fraudulent actions. I asked for information to a supervisor and got some other employee. There hiding something and going against my rights and laws as an American citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: GA
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:
I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they are not mine.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is fraudulent activity appearing on my credit report. Address listed of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' should not be associated with me. Loan opened XX/XX/XXXX with XXXX XXXX for {$520.00} is fraudulent.

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
TransUnion has the following information on my credit report and it is not correct : States I am know as XXXX  have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: ALLY FINANCIAL INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
State: AL
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:
The company listed below went into my credit file without authorization. I contacted the company and spoke with a representative and explained that I did not apply for credit with their business. I shared that there were 7 hard knocks on my credit file ( with XXXX and XXXX. ) In addition, there are 10 or more hard knocks with XXXX. Nevertheless, they have fail to removed any of this information. Your help is much needed!!!! 

Chase Bank USA. NA XXXX XXXX XXXX XXXX XXXX, DE Telephone Number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Recovery Solutions was on credit report for {$340.00} when tried to get mortgage. I phoned the company to get information on this so called debt was screamed at and demanded that I pay that day. Called back again with no better luck. I have disputed the information and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2017. I received a letter from my bank that my credit and fica score drop less than XXXX. I have had a 800 + score for 25 years. When I inquired to my bank they referred me to Discover   student loans. I called the loan company and asked what this matter was about. I had never had a student loan. They explained that a student loan was taken out by my son with the same name years prior. The payment was not made and a non payment was issued to his report. I found out then I was the cosigner. I have never signed nor authorized and such cosigning document. When I asked Discover to produce the document of my signature they could not. They have held me liable to pay by threatening legal action if I dont pay this bill that I did not authorize. I need to see if my name and ss # can be taken off the loan and place the rightful person to the owing of the loan. In addition they have packaged the loan together connected to the fed rates and adjust accordingly. Seemingly that will cause the loan to spike up through the years. Making it more difficult to pay down. The compounding interest rates are compounded over and over each other never letting the principle go down. I have been making payments to the accounts but I am not seeing the principle adjustments applied correctly. I asked Discover student loans to investigate, only to get no help and no documentation to support there findings and no resolve. In removing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
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:
Experian has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX TX XXXX have never lived in TX XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. 
This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX This account was never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

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 2020-11-12
Company: ECMC GROUP, 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: Old information reappears or never goes away

Complaint:
These are private loans that ECMC credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.

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 2018-08-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It May Concern - were a small business based in XXXX XXXX. This morning we found evidence of embezzlement from a former disgruntled staff member of ours. His final check was made out to him in the amount of {$230.00}. He wrote in an extra $ XXXX ( see attached photos ) on the check ( can clearly see the different handwriting ) and to add insult to injury Wells Fargo gave him another $ XXXX so now were at a loss of at least $ XXXX which is a lot for a small business! However we still have not been reimbursed our money by the bank due to research. Weve since filed a police report with the XXXX ( case # XXXX ) who also confirmed the crime so theyre beginning a thorough investigation. Im reaching out to you to please help escalate this matter for us and expedite the resolution for reimbursement AS A RESULT OF WELLS FARGOS ERROR. Im giving you this opportunity before I file a formal complaint with the FTC ( as we know Wells Fargo doesnt need yet another complaint filed ). We appreciate your attention to this!

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 monetary relief