BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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:
XXXX Payoff payment in amount of XXXX sent to XXXX, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
This payment was sent to wrong address, This was a Navient Account. 
My credit union internal investigation said XXXX processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to Navient. 
XXXX XXXX from Navient states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. XXXX weeks. 
XXXX No refund has of today. 
Unable to make contact with US Treasury, live person not available. 
Recontacted XXXX, no account info. Recontacted Navient, gave me a consumer advocate number, XXXX, waiting for return call. 

XXXX XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A letter was generated to my employer from Stephen Einstein and Associates on XX/XX/XXXX. The letter was regarding a debt from XXXX, where a judgement was made in XXXX 's favor as of XX/XX/XXXX. However, the debt that this " collection agency '' is attempting to collect has exceeded the 6 year statute of limitations in which you can legally collect on a debt. The letter my employer received stated that it was a subpoena, however this document was not signed by a County Clerk, nor was it delivered by a Law or Court enforcement employee, it was not sent certified mail either. The Einstein agency is attempting to collect on a total of almost $ 20K in manner that is not lawful. The letter advises you to visit their website for further assistance, yet their website www.stepheneinstein.com is n't available ... while I 'm aware that Sunday is n't a legal day to collect on a debt, the fact that their website is n't available makes this matter that much more questionable.
It 's my understanding that this Stephen Einstein and Associates took over a defunct XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which had a class action lawsuit against them for illegal collection practices ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: SECURITY FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was illegally repossessed beyond my control with family members who are file for sabatoge and I have recorded and documented evidence of payments and I was rip-off ever since the signature for the contract of XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. And I have logged detailed reports to they 're Corporate offices and the BBB of XXXX Texas on documented file.

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 2017-08-21
Company: DISCOVER BANK
State: IL
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:
MY EX DAUGHTER IN LAW CHARGED MY DISCOVER CREDIT CARD WITHOUT MY AUTHORIZATION OR KNOWLEDGE TO {$3900.00} WORTH OF CREDIT CARD CHARGES WHILE I WAS IN XXXX ON HOTEL ROOMS AND FLIGHTS FROM XXXX XXXX TO NEW YORK FROM XX/XX/XXXX-XX/XX/XXXX ON XX/XX/XXXX MY DISCOVER CARED WAS CHARGED {$2000.00} FOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX. THE NAME OF THE RESERVATION WAS : XX/XX/XXXX WITH MY HOME ADDRESS ( XXXX XXXX XXXXXX/XX/XXXX ... ). THERE WAS TWO HOTEL GUESTS : XXXX XXXX XXXX XXXX XXXX. THEY STAYED FROM WED XX/XX/XXXX TO SUNDAY XX/XX/XXXX ( HAVE HER FALSELY SIGNING MY NAME WITH HER PERSONAL INFORMATION ( HER PHONE NUMBER & HER EMAIL ADDRESS ON THE DOCUMENT TO XXXX XXXX. XXXX PHONE : XXXX SHE ALSO CHARGED MY CREDIT CARD FOR XXXX XXXX XXXX TICKETS FOR BOTH THOSE UNKNOWN INDIVIDUALS ( XXXX XXXX XXXX XXXX XXXX ) FROM WEDNESDAY XX/XX/XXXX-SUNDAY XX/XX/XXXX - FROM XXXX TO XXXX XXXX, CONFIRMATION : XXXX. JXXXX XXXX  PHONE : XXXX MY SON DISCOVERED THIS INFORMATION THIS YEAR WHEN HE WAS ABLE TO LOG INTO HER EMAIL ADDRESS THRU XXXX AND FOUND OUT MY CREDIT CARD WAS FRAUDULENTLY CHARGED. ALSO, AT THE SAME TIME IN XX/XX/XXXX, I WAS IN XXXX. I CAN PROVIDE DETAILS OF MY TRIP. I INFORMED DISCOVER CARD, AND THEY DENIED THE FRAUD HAD BEEN COMMITTED, EVEN THOUGH, I HAVE BEEN A LOYAL CUSTOMER FOR MANY MANY YEARS AND I HAVE THE INFORMATION INDICATING THAT MY EX DAUGHTER IN LAW COMMITTED FRAUD ( SIGNATURES AND APPROVAL INFO ). THE TOTAL OF CHARGES STEMMING FROM THE FRAUD WERE {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-08-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested XXXX to conduct an investigation into my Campus Partners account that has been open since XX/XX/XXXX. The account was supposed to be consolidated with the rest of my student loans but was erroneously left out. The challenge is that account has been erroneously reported as a collection account and past due since XX/XX/XXXX. The loan has since been paid in full.
I informed XXXX of the same. Not only did the investigation exceed 30 days but they told me on numerous occasions that the first delinquency was XX/XX/XXXX which is not true and they could not delete the trade line. When I asked for a full payment history since the opening of the account, they would not comply which, in my mind, should be been verified during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: CITIBANK, N.A.
State: WA
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:
Best Buy credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

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 2022-07-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called the company on XX/XX/2022 because I recieved an alert saying that my card was over the limit. Care Credit account # XXXX are using unfair credit card practices. My credit balance was lowered from {$10000.00} which I did not recieve notification about this and it caused my balance to be over the limit on my credit card servely. After my promotional % charges were completed they ballooned my Interest charges to a one-time of fee of {$3300.00} Which to me is a complete shook because I did not know that I was on a promotion also I was made aware that I was recieving a promotion that ended XX/XX/2022 which was not made clear to me when signing up for the card. So every payment I made they took and did not give me credit for. This is predatory and unfair.I have made all my payments with no missed payments to this company they lowered my limit without notification and whitheld that I was on a promotion and on top of everything they intenitionally lowered my limit to take all the money I've paid theme.

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 2022-07-06
Company: EQUIFAX, INC.
State: SC
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

This debt is not mine and I was given no evidence of this being valid. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
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:
This was transferred to a 3rd party but has a specific balance of {$8100.00}, how can this happen? I see that no investigation has been conducted both from the bureaus and the companies. I am now seeking your assistance on this matter.

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 2022-07-06
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my cellphone was stolen and someone was used my passcode to get into the phone. They proceeded to get into my banking apps and log in to my Paypal account. They purchased {$1000.00} of bitcoin through paypal, then they sent {$5000.00} to someone from my account. I called paypal as soon as I was aware that someone was using my account. At the time of the call the {$5000.00} dollar transaction was still being processed, so I told them that it was not me and someone had my device, and for them to freeze the account. They froze the account and open up a claim, the next day they sent an email saying that the claim was denied and they processed the {$5000.00} transaction and the {$1000.00} Bitcoin transaction. The person who got into my account also added a new email and a new phone number to the account and they tried to remove my number to restrict my access. 

They also sold bitcoin and I had a balance on my account which does not belong to me. 

Here are my claim numbers : Dispute ID : XXXX Transaction : XXXX Transaction Amount : {$1000.00} Dispute ID : XXXX Transaction : XXXX Transaction Amount : {$5000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
I pulled my credit report in XX/XX/XXXX, rather Experian sent it to me in XXXX, XXXX at no time on the report sent to me by Experian did there note nor was there indicated a repossession on my credit file, I went to purchase a vehicle in XXXX, XXXX and the dealer showed me my report they ran which also showed NO REPOSESSIONS on my credit report. I was denied based on credit utilization and told to get my balances down which I did ; I went yesterday to attempt to purchase the new vehicle again and now all of a sudden, XXXX  is listed a repossession on my credit file which was never there. I am now being denied based on a repo on my credit file. How can these credit unions get away with just inserted whatever they want on your credit with no oversight? This is ridiculous. They can't go back in time to XXXX and all of a sudden add a REPOSSESSION! How is this possible? Experian refuses to investigate this saying " well they said its accurate '' so despite me showing the report they sent me and the report from the dealer from XXXX and the report not where it wasn't there and now it is, no one will help me. Its absurd! I am also filing a complaint with the CFPB regarding Experian inability and unwillingness to look into the matter. I am also requesting a 100 word statement on my credit file describing the shady tactics. I feel my complaint to this office regarding another matter with XXXX reporting inaccurate information on an old account has prompted this vindictive and retaliatory action of all of a sudden inserting and changing along with backdating information. The statute of limitations on this debt has expired and should only be on file for " up to '' 7 years. XXXX is in violation of FCRA and FDCPA. Its ridiculous and unfair. You can seen the report Experian sent me from XX/XX/XXXX there is no REPO listed, you can then see the credit report ran by the dealer in XX/XX/XXXX again no repo listed, then in XX/XX/XXXX you can see all of a sudden Experian has listed a repo on my file that wasn't there previously and it goes back to 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 non-monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am receiving text alerts from TrustedID regarding the Equifax breach. It says they detected activity that I need to check on. My userid and password are not recognized. When I click Forget Password, it tells me I will receive an email on how to reset my password but the email never comes. It says to call XXXX Monday - Sunday XXXX XXXX but that number has a weird busy signal, like it is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is basically a continuation of my CFPB case number XXXX I will attach the letter of the outcome and the problem with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company opened two collections on my account about the same thing. they are trying to hit my score two times. I have contacted them and they say it is was in their power to open two different accounts for the same thing. The same account that is from the original debt is reported twice. Please check the place you will see it is the same account the company is mis representing the amount and causing double jeopardy on my report. This is blanket to hit my credit score. Please report them. Also they will not send out the full information to me. If you look at the report it is from XXXX XXXX XXXX.  BOTH the same date and almost the exact amount. The company has been reported for this before. I have attached also where they have clearly been shown disputed and removed by one reporting agency. Please advice would love to take to court. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through Zelle for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the Zelle alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. 

Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. 

I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX County Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. 

I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act XXXX XXXX also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Experian Information Solutions Inc.
State: AL
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 A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

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