BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Describe what happened so we can understand the issue ... 
I have several inquiries on my credit report from 2014 through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on.

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 2017-01-23
Company: Navient Solutions, LLC.
State: MA
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:
1. Over a period of eight years, Navient ( and previously XXXX XXXX ) has consistently mis-enrolled my loans in an automatic repayment plan of a limited-term nature, INSTEAD of a plan of indefinite length, as I had requested. The effect of this error has been that, though I had believed monthly payments were being made continually and always on time, in fact, they were not ; thus, the loans became late ( and once even delinquent ) without my knowledge. Additionally, sometimes when the full payment due WAS extracted from my bank account, Navient misapplied those funds -- overpaying some loans, and contriving delinquencies on others. Over time, I learned to monitor the account and catch and report these errors. However, these errors have been so constant, despite my exhausting advocacy, and the potential financial consequences for Navient so rewarding, that I can no longer believe that agents there are not misrepresenting terms to me and/or intentionally trying to 'push ' my account into negative standing. 

2. Navient, without any knowledge of my financial situation, discouraged me from seeking income-based repayment options on my federal loans. Their agents told me that they 'thought ' I 'likely ' would not qualify, but, despite my asking, did not walk me through the details of the program or resource me to make my own choice. 

3. Some years ago, my federal loans were refinanced by XXXX XXXX ; the process was already completed before I was informed that some money, borrowed at the lowest, subsidized rates, would, upon consolidation, come to be financed at a HIGHER rate, that, while some rates would come down, others would go up. I was not given the option to exclude them from the refinancing, or told that they were being enrolled at a financially disadvantageous rate. I was not made aware that I could see the existing rates on the federal database to 'double-check ' the counsel and work of the agents. 

4. In speaking with Navient about how I could not afford to make my monthly payments because my private loans with them were financed at the usurious rate of over 10 % (!!!!!!! ), an agent informed me that refinancing elsewhere would hurt my credit score by disrupting the continuity of the loan 's lifespan and end up hurting me more in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have repeated requested that GM Financial correct their Credit Reporting on the Auto loan # XXXX that has been subject to a XXXX CANCELLATION OF DEBT. I received the XXXX For tax year XXXX, wherein I had to include it in my tax return and incurred tax consequences. The continued reporting of a past due balance on my credit report is highly damaging to my ability to obtain favorable finance terms and is putting my family in a position where we are unable to secure housing due to this. It 's quite the troubling scenario, I ca n't actually PAY this bill to GM FINANCIAL because it has been cancelled, yet I am unable to correct my credit report and have it show that this debt is not past due {$11000.00} as of XX/XX/XXXX. This is a huge problem. Numerous correction attempts with the credit bureaus and GM Financial have yielded no results. 

I have done research on the topic and would like to advise both the CFPB and GM FINANCIAL that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled DEBT as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX ( XXXX. XXXX ) XXXX v. XXXX , 36 XXXX . XXXX XXXX XXXX. XXXX ) XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at 270. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Logan View LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My ex husband ( of nearly XXXX years ) was at the agency 's office to pay on his account. The employee asked if he wanted to pay on my account. She informed him he was also on the account. He told her that was highly unlikely as we 've been divorced for nearly XXXX years. She then told him how much I owed and what it was for. He then contacted me so that I could get it straightened out. I spoke the the manager of credit care in person. He said, " I do n't know how that could happen ''. I informed him that my ex knew all the private information, so it obviously did happen. He said he would investigate to find out who gave out the info and reprimand them. 
He agreed that it was a violation, and apologized for my experience. 
It was embarrassing that my ex was privy to my medical and financial information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was contacted about a work from home job by a " recruiter '' for XXXX XXXX. After I went thru the process and was " hired '' I was sent checks that were suppose to go to vendors to pay for work materials to set up my home office. Every check I was sent was either stop payment/bounced or a forgery. Because I used the money my account with Chase got severely overdrawn and now I can not access the account again until I pay the overdrawn balance, in cash. Every action I took was done honestly and just. I have full correspondence with the " recruiter '' and even a phone number he used to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They consolidated them without my consent as well as going from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We made payment on our loan and out of {$320.00} payment only {$7.00} goes toward the principal and the rest goes towards interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Mercedes Benz Financial Services
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a police report and FTC to XXXX XXXX XXXX XXXX unit and they had enough evidence to block account ( Mercedes Benz Financial Services ) and they did but Mercedes Financial came back and stated the account was verified. so I called Mercedes Financial and they stated the account was noted as fraud. Then the rep from Mercedes Financial stated they investigator did verified the loan was mine but the investigator was actually talking to the man who stole my identity but never contacted me. How XXXX  can you get to contact the number on the contact from Mercedes Financial that was fraudulent. They gave a loan to a man fraudulent under my name who uses a South Carolina Address and I never had owned or lived in South Carolina, I live in XXXX NC! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and Mercedes Financial knew the loan was fraud and noted. So why would they fund it. Then Mercedes Financial removed the inquiry as fraud. The investigator with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against Mercedes Financial, Now XXXX Credit Bureau want even let me dispute it because XXXX  stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against XXXX if they don't fix this, I asked the rep with XXXX for the verified information they got back from XXXX  and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I believe this is a problem for all consumers who request their " free '' credit report. Upon being directed to www.annualcreditreport.com to get my free report I was successful with XXXX and XXXX. However Equifax required that I print and complete a request form. ( # 1 What if I do n't have a printer or luxury of such? ) I did print the form and upon reading the instructions I was astonished to see that a company such as Equifax who promotes Identity Theft services, was requiring that I send a copy of my license, pay stub, XXXX etc to prove my identity in the mail to a PO Box ! I then reached out to them and was told " no you can go online. '' Once again I tried by going to Equifax web site where I was again directed to annualcreditreport.com and again was required to print the form and send my private docs. There must be a better and safer way! 

# 2. In addition I am seeing that any borrower who went thru hard times in the meltdown and who tried to save their homes or did the best they could but ended up settling a CC or other debt are being enslaved by FICO scoring models and rules for how long a debt stays on the report as " LATE ''! As an example someone who paid their debts off in say XX/XX/XXXX-XX/XX/XXXX are still showing up as late on the reports thereby suppressing their scores and having to pay hefty fees for a rate. This is wrong and should be examined since the CFPB is in biz of protecting consumers from mortgage crooks. Why not look at the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: U.S. BANCORP
State: MN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
US Bank gift card sold at bank for flat purchase fee of {$3.00} ; buyer assured no additional fees for use ... terms and conditions claim " no user fees, " no hidden fees '' no other fees for transactional use of the gift card- '' accepted wherever VISA accepted ''. Card purchased at bank & cash loaded plus {$3.00}. 
After card gifted, user tried to buy food at a bakery, then grocery store. Receipts reflected one cost ... but additional fees added on NOT by merchants but by USBank card & were not disclosed.This pattern repeated until card denied by merchant as " not sufficient funds available '' THEN card holder called card and found XXXX % of each purchase added on by card and held for up to 30 days without disclosure to card holder or merchant. SCAM.EMBARASSMENT FOR XXXX WHO ACCEPTED THIS GIFT FROM RELATIVE..card funds were skimmed from card and withheld from card holder ... different amounts for different types of transactions held different periods.

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 2021-07-07
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX my account was hacked into and they changed my email and phone number. I had no access to my account. I called chime and they to email them my email so I can get back into my account. Providing my SSN and my account phone number. And wait a couple of hour and I could get back into my account. But when I was verifying my account they told me that there was XXXX transfered to someone I have never talk to that had another chime account. They file a dispute on the transaction it has now been 9 day and I havent heard anything. But than today XX/XX/XXXX I get my unemployment benefits and within minutes of having it a different person was spending my money the first one was for XXXX the second one was for XXXX. I call chime and they told me that they can't do anything til the transactions has stop pending. And that they can send me a new card. I change my email and password the first time this happen. I personally think it's wrong that they can't do anything. What kind of people are they.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Case XXXX XXXX University COLLECTIONS DEPARTMENT HAS RUINED MY CREDIT WITH AN INACCURATE CREDIT REPORT. To BOTH Equifax saying my debt was over XXXX dollars and XXXX same starting debt then follow up reports on that debt that still are wrong. XXXX actually owes me money because I was a XXXX XXXX and Housing regulations say I stay until Graduation with no late exit charge. Also XXXX charges ridiculous amounts for " alleged '' cleaning and XXXX ( E Mail for Collection agent ends in XXXX so he works for XXXX and is not independent and Harasses many times a day STILL including my cell at work for XXXX. DESPPITE his billing charges differing from XXXX XXXX Billing Charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: LEXISNEXIS
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 placed 2 disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a 3rd party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through Lexis Nexis. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or lexis nexis. There for both are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. 

I do n't have my papers so I would like to remain anonymous.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-11-22
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2016-05-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
unable to monitor my credit report. tried to sign up with complete premier product ca n't sign up. error in there system will not fix it. tried numerous times. but since I have been a victim of identity theft they do n't care. and wo n't fix the error. some one can access my credit but I ca n't monitor it.

Company response to consumer: Closed with explanation