BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Too many dates to remember. I have two loans with Navient, but they see it as one loan. My goal is to pay off the loan with the lowest balance. Every month I make an extra payment and allocate it to loan XXXX with the lower balance. At first the full amount goes to loan XXXX but when I check a few days later they have removed a portion of the payment and put in on the loan with the higher balance. EVERY time I pay extra, I have to remember to call them a few days later and tell them to move all the funds to the lower loan. I have spoken to a dozen people and they say that is the only way it can be done. BUT on their website you have the option to pick the loan you want the money to go to. It makes absolutely no sense. 
Today, I called them because I wanted to just pay off the smaller loan so I dont have to go through this every month. I went to their website and allocated the total amount owed on loan XXXX to pay it in full. The guy, I chatted with said I will need to call them once it posts and again tell them it is to pay off the balance of my small loan. I should not have to pay any interest after today on that loan since I sent them the total amount he said I should pay. I am so nervous that this is going to get jacked up by them. 
Please help me. It is my money and I should be able to allocate which loan I want to pay since there website is set up to make you believe that is what you are doing. 
It seems shady that I have to follow-up every time I pay extra on my loans. 
Thank you and I pray you can help me resolve this issue. 
Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
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:
While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my incarceration ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with XXXX XXXX XXXX on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Equifax and sent them the attached dispute letter, police report, proof of incarceration document, and other supporting documentation. On the first occasion in XX/XX/XXXX, they opened up a dispute, conducted an investigation, reviewed all of my documents, and determined that it was in fact a fraudulent account and removed it from my credit report in XXXX XXXX. It remained blocked from my credit report from XXXX XXXX until XX/XX/XXXX when it started being reported again. I filed another dispute with Equifax in XX/XX/XXXX and sent them the same documentation I had sent them back in XX/XX/XXXX when they properly removed the account from my credit report. However, since I re-disputed this fraudulent account in XX/XX/XXXX, Equifax has failed to stop reporting this fraudulent account again when there is no doubt that I could not have opened this account if I was incarcerated. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with section 605B of the Fair Credit Reporting Act, Equifax is failing to adhere to its responsibilities and block this fraudulent account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been being billed for services they are offering for free. And they are showing me all three credit bureau 's reports, but the information they are showing is incorrect. I also have an account with XXXX XXXX, they are reporting the account is closed on all three reports. This account is open and is current. I checked with them to see if it was a problem on their end. They said that they have been reporting to all 3 for the last 4 months and that my account is being reported open and current. There are also student loan accounts that are reported duplicate and are showing they are negative. There should only be 4 student loan accounts that should show closed/and paid.

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 2020-08-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander Consumer USA, was found guilty of using an Internal scoring system to trick consumers into getting car loans and charging a more than higher interest rates as high as 45 % in some cases. 

The Attorney General of California, has deemed the company guilty of fraudulent acts and business practices. The courts has fined the company over {$500.00} XXXX XXXX in restitution to be paid back to consumers who vehicles were repossessed in the first twelve months, and must remove any all negative items off credit report. 

Santander Consumer USA, is refusing to remove items, and pay restitution to consumer by stating no fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive a notice of right to dispute. I have attached the letter I sent to the company after seeing on my credit report. I still have not yet heard from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: EQUIFAX, INC.
State: LA
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:
This is showing up on XXXX and Equifax. I have attempted to contact XXXX XXXX XXXX XXXX and XXXX XXXX, and all I got back from them was " Fill out this form '' which I did and submit it. After that, it showed up on another credit reporting agency, bringing my credit score down when I am trying to buy a car. I asked my loan officer and she said, " Fill out the form again. I don't handle disputes. '' How's that for customer service??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: JPMORGAN CHASE & CO.
State: KY
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:
Credit agencies on credit that I didnt apply for, need help removing the inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: BARCLAYS BANK DELAWARE
State: CT
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:
Hi, I applied for a Jet Blue credit card with Barclay and was declined because my federal student loans currently have no monthly payment on my credit report since the Federal government paused payments during COVID. Since my federal student loans are reporting on my credit report with a $ 0 monthly payment, Barclay is making up a number based on my federal student loan balance which is an incorrect monthly payment. I've asked Barclay if I could send them the paper work from my federal student loan servicer so they can see my actual monthly payment with be {$810.00} a month because I'm on IBR. Barclay will not allow me to send any paper work and will only work off my credit report with the $ 0 monthly payment and they then make up the monthly payment based on a calculation. My only option at this point is to now wait until the federal payment pause is lifted and my federal student loan servicer starts reporting my real monthly payment again of {$810.00}. So in short, Barclay 's policy is discriminatory towards borrowers with federal student loans on a payment pause. Which goes against the purpose of the payment pause. Basically, because of the payment pause I'm being declined. As soon as the payment pause stops, I will be approved because Barclay will then use my real monthly payment based on the credit report. This is extremely unfair treatment. I can't understand why Barclay won't allow someone to prove their real payment and only make up a payment based on loan balance. I've worked in lending for almost 20 years and if the payment on the credit report is reporting as {$0.00}, the lender should allow the applicant a chance to prove the real payment. Even more so now because an applicant shouldn't be penalized because of the federal payment freeze on student loans. Who know how many other applicants with student loans have been harmed by Barclays policy. 
Thanks!

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 2018-02-15
Company: Experian Information Solutions Inc.
State: TX
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:
2nd attempt : Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.

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 2018-03-27
Company: CORELOGIC 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:
I have contacted Credco in XX/XX/ and today, regarding a hard inquiry from a car dealership in Fl, that was placed on my credit file on XX/XX/, which I did not apply for. An investigation took place, only to come back as, the company who pulled my credit, was from an online application source. I even reached out to XXXX XXXX, and requested a phone call from the Finance dept and the General Manager and no one has returned my call yet as of today. I have documentation all this taking place inside the dealership, based on the email from the salesman. Keep in mind this is in another state, from which I currently live. Since this dealership, had the correct info to run my credit, nothing was done to delete this hard inquiry, but to refer me back to the credit bureaus to submit an identity fraud claim.I am exhausted with this process, because I am being dragged in a circle of lies, with no result.I currently have a freeze on all 3 credit reports due to me being a credit fraud victim. I am seeking additional help from your company, with removing this damaging inquiry from my credit report. Please help me. Thank you

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 2020-08-27
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX SEQUIUM ASSET SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial 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: Information belongs to someone else

Complaint:
My personal identifying information was stolen and I have inaccurate information reporting on my credit that I am not aware of. Please remove these items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Huntington Bank reported a thirty day late when I was told it would not show up as a late pay. this was during covid stay at home orders, I was current prior and am current now on payments. I called Huntington and they assured me because I called they wouldn't report this late, not only did they not withhold their aggreement, they violated Public Law No : XXXX ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. 

I have sent them letters and they have yet to respond. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a joint owned CD with my husband with navy federal credit union. He closed the CD without my knowledge and NFCU transferred these funds into his acct at NFCU of which I was not a joint owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card that was never activated issued by Wells Fargo, and I had never used the card before. In XX/XX/2019. A charge in the amount of $ XXXXwas charged for a hotel stay. The {$740.00} on XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX. I have never flown out of the country to XXXX. I don't even have a passport. 

I filed a fraud report with local XXXX Sherrif 's police department reporting the fraud that was made on the card. I also filed a report to Wells Fargo, and tried to resolve this issue without a resolution at the time that I am filing this complain against them. I have excellent credit, and this transaction is having an impact on my credit score. 

I have a file to send to you, I am not able to submit all of the documents here online. I have over 40 pages of documents. 

I need an immediate resolution, as I been trying to resolve this issue for almost a year now. I even contacted the State Attorney 's General 's Office, and could not reach a resolution there either.

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
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i file dispute with all three credit bureaus I have yet to receive anything from them. There has been enough time to reply to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Letter was sent XX/XX/2021 to Equifax and XXXX on the violation of my consumer rights and consumer reputation by 5 third party collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
i have written XXXX XXXX, Transunion, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.

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 2018-03-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage loan was paid off. I overpaid the loan, and was refunded my money back from Chase. Chase then issued me an IRS Form XXXX for that refunded money, claiming it as " other income '' on line 3 of the form, which means it becomes income to me, and due taxes. I have already paid taxes on that money, and now, because of the XXXX, the IRS will want me to pay taxes on it again. 

The XXXX listed is NOT income from Chase to me, but my own money, refunded back to me. I filed a previous complaint with CFPB, case # XXXX. Chase 's response to that claim did NOT address the mistaken form XXXX at all. They didn't even mention it.

Company response to consumer: Closed with explanation