BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient and Navient DOE hold my student loans. I have been paying on them for over 10 years and I owe more than I borrowed. Lately the USPS has not been delivering my payments on time and I am being charged late fees. it takes a month for 1st class mail to get to Navient or Navient DOE. Same as to when I receive my monthly statement from the lenders. I will not let Navient do direct withdrawal because they have been found guilty of predatory lending practices. I have filed complaints with the USPS about delivery delays but they refuse to resolve or even investigate the problem month after month, year after year. XXXX XXXX of the XXXX XXXX is the person assigned to each complaint and does nothing. I write the date of receipt of every payment coupon and the date I mail it, along with ck # and amount. I pay over on each payment by the way. I photograph each payment, envelope and check before I send it. I have had my mail tracked by certified/return receipt. The malfeasance of XXXX XXXX and the the USPS is causing me to pay late fees and Navient continues to charge late fees. This has been going on for years and has nothing to do with COVID delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
For the past few months I have been getting phone calls stating " This is Nationwide Credit and Collections. '' I have excellent credit and have zero debt. When I google the number, sure enough I see reviews upon reviews that this is a scam! Please help me stop them before an innocent falls for it! 

The phone number that keeps calling me is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had received notification on my phone from XXXX XXXX that my credit report had a collection account reported in the amount of {$13000.00} by Credit Consulting. I called Credit Consulting to find out what this was and they told me that it was a medical bill from XXXX XXXX and that I would have to talk to XXXX XXXX. I called XXXX XXXX and questioned the collection and told them that I hadn't been to the hospital in years and that the collection isn't mine. The hospital referred me back to Credit Consulting and told me I would have to deal with them because the account had already been turned over to them. When I called Credit Consulting they started asking me for some of my personal information such as my SSN and my DOB in which I was hesitant about giving but I did end up giving them the information. I thought they would help verify that this was not my account. I left the account alone for a while and didn't worry about it anymore. In the later part of the year in 2020 my wife and I wanted to start shopping for a house. When I went to my lender to get preapproved the collection issue came up again. My lender tried to help me get this resolved and we did a 3 way call on XX/XX/2020 ( myself, my lender and credit consulting ) and spoke to XXXX at the collection agency. She advised us to send a fax to XXXX at credit consulting with a brief description of what our conversation was and to also send a copy of my Identification so that they could compare signatures. We never heard back from them. Meanwhile I called them just a couple of days ago to get a status and they told me that I have to file a claim with you and I have to file a police report for identity theft and give them a copy. I do hope I can get this corrected. It has delayed my opportunity to purchase a home.

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 2015-10-20
Company: Empowerment Ventures, LLC
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am showing a {$0.00} balance on my card Rushcard. I have a transaction which is not mine, for {$53.00} and although it 's not a lot, it was my phone and grocery money to the end of the month. I have a dispute number from Rush that was automated and here is that information. This is an automatic acknowledgement to let you know that we have received your inquiry. Your ticket code is XXXX. Please use this code in any further communication. 

If your inquiry is related to specific account information or transactional information please reply with the following authentication information if it was n't already included in your first email : First NameLast NameLast XXXX digits of your Social Security NumberRushCard has recently updated our automated telephone system with several great new features! If you call our toll-free number, please pay careful attention to the new menu prompts to ensure that you choose the correct option. 

You will receive a response to your inquiry within 12 hours. If your request requires more immediate assistance, please feel free to contact us at the toll-free number below. 

To check your account balance and/or recent transactions, please visit us online at www.rushcard.com. 


Thank you, RushCard Member ServicesXXXXXXXXXXXXXXXX have had no contact from Rushcard. I borrowed a friend 's phone and was on hold 2 times totaling 3 hours only to be hung up on. I have private messaged them on XXXX as they asked, and no response. Other numbers and updates have been rhetoric. I am unable to move my upcoming direct deposit because it was too late ( XX/XX/XXXX was the cutoff date & gt ; ). Thousands of posts are made to social media and to the co-founder of Rushcard only to be ignored. I need my money. Today is day 3 since I have eaten last.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Southwest Credit Systems, L.P.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep asking for XXXX somebody. After I explained that there is NO XXXX at this number, they keep calling.I have been nice, i have hung up on them, I have gotten rude with them and they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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 opened a fraud case against Experian XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and Experian will to answer to why they are violating my consumer rights.

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 2016-02-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX. I originally told them I would pay for all services when they were finished. The procedures were incomplete at the end of the day and they rushed me through paperwork signing me up for a finance company, Care Credit ( Synchrony Bank ), to pay for the work. I was still disoriented from the procedures and suprised it was not finished. I did not know I was authoring any additional work to be charged on this credit account. I got the bill a few weeks later and it was for an excess of {$4200.00}. None of the work she charged me for was ever done except for XXXX XXXX which were not even completed and done incorrectly. I have had to have the work re-done by another XXXX. I disputed the charges with Care Credit ( Synchrony Bank ) and they completed an investigation that resulted in a finding in my favor and {$800.00} taken off the bill. They claimed that I still owed over {$3400.00} for XXXX botched XXXX. Even though I can prove with XXXX that I never received XXXX for which I was charged, they told me that they have taken the word of the dentist that these services were provided and stand by their charges. I will be following up with an attorney, but I do want to report what I feel has been fraudulent billing by this XXXX, charging for services that were never performed, and support of this fraud on behalf of Care Credit ( Synchrony Bank ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my home was damaged by Hurricane Irma and I began a loan modification process with XXXX XXXX. I did not make payments for several months ; XXXX XXXX notified me that I needed to provide documentation, I provided numerous documents including financials, pictures and letters of damage. However, I was not getting a new payment amount from them this process took longer than made me comfortable. I called on a weekly basis for XXXX months trying to finalize my new loan amount. In XXXX of XXXX, I received a letter from Freedom Mortgage notifying me that they had purchased my loan and would be my new servicer. The loan amount at that time was noted to be {$170000.00} with an escrow balance of {$2300.00} and a past due amount of $ XXXX. I was shocked since for the last XXXX months I had provided XXXX many documents to modify my loan. XXXX refused to speak to me about this referring me to Freedom Mortgage ( my new lender ). I understood at this time that XXXX had not completed my modification, I proceeded to provide all of the documents again to Freedom Mortgage and they processed my Loan Modification in XXXX of XXXX. In XX/XX/XXXX, I attempted to refinance my FHA loan to get rid of my PMI mortgage and this is where I noticed that I now owed more than I did when I originally purchased the property XXXX years prior there was a partial claim with HUD worth $ XXXX plus the $ XXXX plus $ XXXX plus a negative escrow amount of $ XXXX this totaled $ XXXX and I had purchased the property in XXXX for {$230.00}. This alerted me to begin asking XXXX XXXX to provide the loan modification documents and the balances, they notified me that they would not provide the loan modification documents as they were privileged but did provide me balances from XXXX to XXXX, they then informed me in writing that they would not provide any more information as Freedom Mortgage was my new lender. I asked Freedom Mortgage to provide a reconciliation of my escrow account and they notified me that they did not own my mortgage prior to XX/XX/XXXX and would only provide documentation from XX/XX/XXXX on. I used those two balances that I received and reconciled as best as I could with the limited information I had. I can tell that from my reconciliation that the issues are with my escrow balances beginning in XX/XX/XXXX ( but possibly longer but no one will provide me documents ). These issues in my calculation overlaps both mortgage companies. I also identified errors with Freedom Mortgage escrow balances. I can't get these companies to provide accounting of my balances since they now put it on one another, and they also won't give me a call to discuss. I believe my account is overstated and I need help reconciling these balances mainly the escrow balance.

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 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account, I did not receive notice and they only mailed a letter instead of having something I could see online as well. 

Then they told me they would mail a check and I could not go and get my funds from the account. 

If they did not mail the letter, how am I supposed to believe that I will get mu funds in the mail. I want to go to the bank and get my money out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-15
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:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX Card, XXXX XXXX  XXXX Cards, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.

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 2022-03-28
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.

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 2022-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls from XXXX XXXX at Allied Interstate phone number XXXX. I sent this firm a cease and desist letter on XXXX XXXX, XXXX. They did not comply with it as they started phoning me again on XXXX XXXX, XXXX about XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 disputed it with XXXX  and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was declined a job offer based on my consumer report and want to know why and how this had occurred. To my knowledge there should be nothing holding me back from getting employed based on what is in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account several times over 2 years and nothing has been done.

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 2021-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX XXXX, 2 XXXX XXXX XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX. XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.

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