BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying student loans with XXXX XXXX for a few years. I havenever missed a payment on my loans. I was paying interest only for a fewyears {$440.00} a month. XXXX XXXX and myself agreed to pay {$550.00} startingXXXX XXXX. I was told this would be my payment from now on. I lost myjob making {$50000.00} a year. And now I make {$20000.00} a year. I stillmanage to make my payments. Now, they have sent me a payment of {$640.00} a month. And there is no way I can pay this. Seem like they aretrying to put me in default. I have friends that are in default and they arenot trying at all to make payments to XXXX XXXX at all. I 'm going tocontinue making my payment of {$550.00}, and that 's the best I can do. 
I have contacted my XXXX XXXX XXXX XXXX and you 'll on thismatter. I would appreciate any help on this matter as soon as possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2015-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX of 2013, I reported to Bank of America unauthorized and fraudulent uses of my credit card. I filled out paperwork ( I have copies of everything ) and they credited my account for the initial amount. 
I told them to close my account. They did not. Subsequent month, charges of {$5000.00} from the same source were charged to my account. Given the report of fraudulent uses, they should not have allowed those charges. They are now pursuing collection of these amounts in small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Account Name : Dept of Ed TransUnion XXXX XXXX are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. 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 2016-11-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I never applied for any student loans ; I never went to college. 
Sallie Mae lists on my credit reports XXXX student loan accounts ; XXXX are Joint, XXXX are Individual. 
The open date and account number on each XXXX account coincides with the same open date and account number on each XXXX account. 
( e.g., open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.

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 2021-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Balance is incorrect on vehicle loan XXXX XXXX XXXX XXXX it should reflect a balamce of {$10.00}, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I currently have an issue with my student loan servicer Navient in the sense that they are trying to raise my interest and payments even though I have fixed 30 year interest and repayment schedule and I have never been late on my payment and have been making regular payments for over 12 years automatically deducted from my bank account every month on time. 

I 've contacted the loan service ( Navient ) and all they could tell me was they have looked at the contract and are increasing my payment, even though again, I have a fixed rate and have been paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Mercedes Benz Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid loan off with Mercedes Benz Financial Services years ago ( 8 ) and never got release. Husband died ( XXXX ) sent death certificate and Mercedes Benz Financial has still not released lien letter! 
The title ( provided ) has both my name and my deceased husbands name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CURO Intermediate Holdings
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan that was 360 %. I had no idea however I paid it off in full and its still going. I called the company and it is still not resolved and the debt just keeps going up. Even though I had already payed it off in full. The company in name is called speedy cash. I already talked to them and explained I payed the debt off in full even though it keeps going up with each passing day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have repeatedly encountered unethical behavior from Navient, my loan provider. Since I began taking out loans in XXXX, I have had customer service representatives tell me via phone that my first option was to defer or forbear. They then told me what my full payment would be without Income Based repayment, asked if I could pay it, and when I said I could not ( it was approximately {$500.00} per month ) they said I could forbear. At no time was I offered the option of Income Based Repayment. I chose forbearance several times because Navient did not ever provide documentation or tell me via phone calls to customer service that I was eligible, or able to, have an income based payment. This has cost me thousands of dollars. Additionally, some of my interest rates have changed dramatically, from 3.2 % originally to 6.8 %, with no documentation, notice, or information available on my account on the Navient website. Futhermore, I was never told, in writing or over the phone, that Navient charged late fees of their own. On a phone call XXXX/XXXX/XXXX, when I learned about late fees from asking questions, the woman on phone said someone in " back office '' would mail me a copy of itemized late fees in 5-10 business days ( XXXX XXXX ) and that I should call XXXX if I need to follow up. I was told over the phone that since XXXX, I was paying {$67.00} per month just for my federal loan. This is far more than even some of my payments on my income based repayment plan. At no time was the late fee disclosed in writing, OR itemized on any of my statements I received from Navient. When I finally received documentation of late fees in writing, I saw that my late fees were {$6.00} per loan. There is still nothing on the website disclosing late fees on my account in any way in the online portal I use to service my loan. In the years since I began taking students loans in XXXX, and my final ones in XXXX, my total loan amount has over doubled and has continued to grow as I have finally begun an Income Based repayment plan. I believe these factors and situations demonstrate unethical behavior on the part of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Account status incorrect

Complaint:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

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 2021-08-12
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: Public record information inaccurate

Complaint:
I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. XXXX has kept this record after I have disputed this online and by mail. Transunion and XXXX have not resolved or updated me after more than 15 and 30 days.

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 2021-08-12
Company: SYNCHRONY FINANCIAL
State: UT
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 recently took a look at my credit report and noticed this debt was reporting on my credit file. Amazon is saying I have a " Charged off '' account with them. I have never applied for an Amazon card and I never got a call or receive statements or really anything from Amazon so I'm really confused as to why this is on my credit. I have filed a police report and monitored my other accounts for fraud. This account was not open by me.

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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have not been able to find a job in my field as well as every time I had to pay a loan and I could not they offer me something and I accepted it but when I later checked my interest rates were really high and I accrued a lot of money over not being able to pay I do n't understand how over one year interest rates could have me paying that much money for something that I could already not pay due to not working all the agents I 've ever spoke with said this would help me out and this would be the best thing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I started a mortgage refinance with my current mortgage company - Freedom Mortgage in XX/XX/XXXX. I was told on several occasions that a credit inquiry was not required due to being a current customer. I never authorized a credit inquiry. On XX/XX/XXXX Freedom Mortgage pulled my credit report. I reached out to my loan advisor to find out why this was done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. I received 1 response stating that he would escalate my complaint and get back to me and I've not received a response as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: NY
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 am filling this complaint case to make sure that XXXX will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXXXXXX XXXX bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My car that was leased through Lobel financial was repossessed back in XXXX. They have since sold the car to someone else. They never gave me the option to buy the car back or even let me know that they were selling it. I found out someone else had the car because I kept getting tickets sent to my address two years after the car being repossessed meaning whoever they sold it to never put the car in their name. They also never let me get my belongings that were in the car when they repossessed it. Now 6 years later Lobel keeps increasing the amount I supposedly owe them every month they increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
After recently checking my credit report, i found that Wells Fargo Financial Cards account number XXXX reported to XXXX on XXXX/XXXX/2015 that I have a balance of {$14000.00} with a past due amount of {$4700.00}. They also reported to XXXX that this account is 120 days past due. It shows a credit limit of {$15000.00}. This information is not accurate and is not true. The account has been charged off in the past and Wells Fargo is aware of it. But yet they constantly report bogus information to XXXX. Wells Fargo needs to correct this ASAP.

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 2016-10-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of fraud by Wells Fargo Bank. My account ending in XXXX was supposed to be a Saving account and then it was turned to a credit card. The representative told me that it would be treated as a Saving Account. Instead I received a Master Card in the mail with a 15 percent APR. After reviewing the recent scandal with accounts, I am too a victim of fraud. My APR is now 25 percent and this is not what I initially was informed my {$5000.00} would be used for. I would like to be included in any lawsuit pending against Wells Fargo and I have closed this account. Additionally, Wells Fargo reps have violated Fair Credit and Reporting Law by negatively reporting this account late even though I disputed the debt. Additionally, they continued to contact me after I repeatedly told them not to contact me by telephone after reps were rude and disrespectful. I want this account off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been receiving multiple phone calls from a woman calling on behalf of Convergent Resources virtually every day for months. She is using different phone numbers, and the calls come from near the XXXX Ohio XXXX. We do not owe anyone anything on this earth and when we try to obtain information from her, she demands to know if I am some other person. She then needs information to access our files, which do not exist because we owe no one. When I contacted Convergent in Arizona the same thing happened followed by a hang up. The number in XXXX of the caller is XXXX, XXXX. We have no idea where they obtained any information on us, but we suspect our age is a factor, as we are both retired. After doing research on this company we feel there is a bigger scam going on than debt collection, why else contact people with no debt?. There are also times when they call and no one speaks, finally a women comes on, gives no ID or company name, and starts asking for people.When you question her she hangs up.

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