BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: Navient Solutions, LLC.
State: CA
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:
I have been paying off these student loans for over 10 years now. I am at the point where I want to pay off my student loans very aggressively and be done with them within a year or 2. However, Navient does not allow you to pay more than the minimal payment they suggest for you as a monthly payment. You have to " apply for '' and choose one of their payment plans that are all very low and minimal payments. If you want to pay off more than those minimal amounts you have to manually log in every time and specify exactly the overpayment you want to make. I want to be able to pay off a large sum as an automatic monthly payment without having to log in every month, but they make this impossible. I easily do this with the 2 other loan companies I use with no issues. You should be able to choose exactly the amount you want to pay off as a monthly auto payment. I have gone through every link on their site trying to figure out how to increase my monthly payments with no luck. I feel that they are purposefully and actively trying to discourage me from paying more than the minimum payment each month.

When I try to contact them about this issue, there is a roadblock there as well. There is an endless loop of broken links that never takes you to a place where you can email or message them. I click on " Contact us '' and it takes you to page where you can click to 'email them ', and that takes you to the log-in page, even if you are already logged in. And when you log-in again, then you have to go through the same steps again, never getting anywhere to contact them online. Finally I give up every time because I get so frustrated. I think this is their plan. This problem has been going on for a long time. They do not respect their customers, and I believe they purposefully try to make you owe them more money by accruing more interest over a longer than necessary time period.

I don't have much in terms of documents to attach for evidence because these are things I can not do, so it's hard to document them. So I will attach some screen shots of the place I got stuck trying to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was sent a letter in the mail from WellsFargo on on XX/XX/2021 informing me of my account being suspect of fraud. I did not receive the information until XX/XX/2021 as my mailing address is at my parents house and I am a XXXX. I followed up with WellsFargo the following day and found out a checking account was opened on XX/XX/2021 without my knowledge. There was no activity of the account other than it being opened. I have looked through my credit reports and have not found any obvious fraudulent activity including the opening of any bank accounts other than a slight drop in credit score. I am waiting for WellsFargo to contact me with more information into the case and was give a case number in the mean time.

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 2021-07-09
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I took car loan from Santander bank Account number is ( XXXX ) car was XXXX XXXX, XXXX And total loan was almost XXXX and I was paying monthly payment correctly each month XXXX $ until pandemic for Covid, I contacted the bank to make delay payment for 2 months and they accepted and they send me letter including approval for making payment delay for XXXX or XXXX  months, so in XX/XX/2021 I did accidents with my car and insurance company XXXX Consider my car damage and I did claim number ( XXXX ) they considered the car total loss so they paid to Santander XXXX $ so after that I did claim by gap insurance for the remaining amount which not covered from XXXX, I did claim ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they paid for Santander Bank almost XXXX, when Santander bank received money from XXXX and gap insurance too, not decreased interest and he still sending me bill and my credit score impacted although, the car already was taken by the company insurance XXXX, I need investigation about this and I send them letter to make payment plan but still not respond and they send me monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
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: Account information incorrect

Complaint:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

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 2018-06-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX is showing as a charge off when it has been included in the chapter XXXX bankruptcy repayment plan. XXXX XXXX XXXX XXXX was removed when all I disputed was the 30 days late because it was never late dropping my score. Dept of education should have fallen off I was not late and anything to do with student loans  is being reported incorrectly because they were consolidated and deffered. XXXX XXXX XXXX was paid but is still showing as a collection. Per federal bankruptcy regulations no account can show past payment history only that its included in the repayment plan and that its being paid. On all three credit bureaus most of the accounts on my report are incorrect they are either showing as late when they are not they are showing as a charge off when they are not they are showing as a collection when they have been paid. I have attempted to dispute this information with the reporting agency and the incorrectly remove accounts or say that it is correct information or they do nothing at all. I have them tried to contact the credit bureaus and get nowhere. The credit bureaus have messed up my credit so bad that I went from a score of 600s to mid 500s.  While yes I have bankruptcies on my credit the chapter XXXX is a repayment plan in which all accounts are included and being paid but are being reported incorrectly as well as information on my credit remains from 2007 which should have been removed. I am trying to get my credit report fixed so that I may buy a house and every single time I try to get the information reported correctly the credit bureaus XXXX  it up even worse and anybody you speak to is either rude or they don't speak hardly any English due to outsourcing. I really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Lexis Nexis on a bankruptcy on my file and the did a investigation and wrote a letter to me stating that they could not verify the bankruptcy and it was moved off of my file. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that were responding to my complaint I made on them, which did not have a compliant file on them, I now received a letter from stating this is on my report. I have attached the letter from Lexis Nexis.. Please review the letter and the first repose on XX/XX/XXXX that I received from Lexis Nexis. This should not be on my file. I have sent return receipt to XXXX  which I just received return receipt back from them on the same date that I received Lexis Nexis letter. Please remove this from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: NY
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:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-05-22
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
to whom it may concern : i was made tax exempt on XX/XX/2019 so i sent a copy to my mortgage company, and they sent me a reply confirming they had received it and all changes were made, however, when i checked my statements i found that they were still taking taxes out for 5 months, so i called them to find out why they were still taking out taxes. the first person i talked to i asked them why they were still taking out taxes since i was tax exempt, they said let me put you on hold and hung up the phone, so i called back and the second person i talked to i asked the same question and also what was misc. escrow money and they said that is the money we sent to you and i ask why i never receive it, then they said we will issue another then i ask about the taxes they had taken out for the last 5 months and they said we will send another {$300.00}. and i said no so they transferred me to their supervisor and again the same question to the supervisor and the supervisor said we don't have any money for you so i said i will report your company to cfpb and they said go ahead i don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud

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 2020-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX ONEDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX   XXXX, XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: AMCOL Systems, Inc.
State: AZ
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 filed a dispute with the credit bureaus. the account doesn't belong to me and I request validation of said debt in line with the FCRA. Also i did not sign any HIPPA release that releases my information to any third party and this is in violation of my rights and i want it take off my credit report expeditiously. 

If not done so within the legal amount allotted time i will be seeking legal action against this company. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My employer received a call on XX/XX/XXXX from Profit Services Group. XXXX XXXX XXXX was the lady that spoke with my co-worker and my manager. After I had left for today she asked to speak with my manager and my co-worker told her he had left for today. He gave her my manager name and she call the company operator to get his telephone number. My manager text me at XXXX XXXX XXXX XXXX asking about a XXXX XXXX who insist on speaking to me. She had my co-worker and my manager in a big uproar about trying to reach me. The very next day she called again and I answer the phone. I let her know not to contact me at work no more. She claim she tried to reach me at home and I told her I never received a call from you. XXXX XXXX said " we don't leave messages ''. So she decided to call my employer. She said she knew it was my number because that was my voice on the voice message. That was a RACIAL statement!!! I never spoke to XXXX XXXX for her to made that kind o statement. I asked may I speak to your manager and she replied I am the manager!. I asked may I speak to your supervisor, and she refused to let me speak to him/her. XXXX XXXX should be terminated with this kind of behavior immediately!. My insurance provider and I tried to do a 3 way call to clear this matter up. Profit Services Group is trying to collect $ XXXX.My Provider is disputing this amount in which they said I owe only {$33.00}. We contact the XXXX  XXXX XXXX to help clear this matter up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been the victim of unresolved fraud - on XX/XX/XXXX there were 3 unauthorized charges made on my card from Chase. I noticed these charges at night and froze the card since this was my only option at that hour, as the fraud department is not open around the clock. Numerous additional charges were declined and notifications posted to my email after I managed to freeze further transactions on the card. I notified Chase at the earliest opportunity by telephone that 3 charges for {$45.00} to XXXX, {$38.00} to XXXX, and {$0.00} to XXXX were all fraudulent. I have no knowledge of how my card info was compromised. Upon reporting these charges and receiving credit pending investigation, I was satisfied that this situation had been solved, however Chase reversed one of the credits to my account and notified me on XX/XX/XXXX that I would have to pay for the {$45.00} charge as I had allegedly benefited from this transaction. I phoned Chase on XX/XX/XXXX and was told that a user in procession of an account utilizing a XXXX  email address had item ( s ) shipped and delivered to my town, something about gardening supplies. I assume this is what is intended when they say I benefited. Myself nor anybody that I am in contact with ever received any such items. I also do not use XXXX. After disclosing these details, the representative I spoke to became furtive with additional details and referred the case to higher review. I categorically insist that these charges were all fraudulent and unauthorized, and that I should not be held liable, in accordance with the cardholder agreement. All necessary information explaining the fraud was conveyed in the original contact and this should have been solved in the first interaction. Additionally, only as a minor grievance, Chase failed to ever reverse or offer credit for the third fraudulent charge of {$0.00} which I did verbally report as one of three total charges that were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is a bill collector for XXXX. 
I had contacted XXXX to make payment arrangements on my final bill of {$500.00} Dated XX/XX/21. 
Last day of service was XX/XX/21. I called XXXX to make payment arrangements they denied me to being able to do that. When I switched to XXXX they were supposed to pay up to {$500.00}. so I sent a check for {$25.00} to XXXX now I'm being hit by Amsher collections for over {$1000.00}. when I contacted them to make arrangements they also denied me the option. 
I'm still trying to find our from XXXX why it was not paid. 
keep in mind this is all in the midst of a pandemic. I'm not working I'm XXXX  & on XXXX XXXX XXXX. it wasn't til XX/XX/XXXXwhen I was XXXX 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 2020-07-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, the following company Office/Depot XXXX without permission pulled my credit report without my knowledge or permission

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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