BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit report act. XXXX XXXXXXXX account # XXXX has violated my rights. 

15u.s.c 1681 section 602 A. states i have the right to privacy.

15 u, s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed $XXXX from XXXX  on XX/XX/XXXX with a payment of $XXXX a month.  At the time I was not aware that the interested rate was 57.67% making me repay over $XXXX over 4 years.  I was told at the time the contract was for 24 months.  This company is taking out $XXXX bi-monthly, making me pay $XXXX per month.  When I called to pay off the loan I was told that I would owe the entire $XXXX   on the loan.  they did not remove interest ($XXXX)that had been assigned to loan.  As of today, after 71 payments of $XXXX  I still have a balance of $XXXX.   This is ridiculous and should be against the law for any financial business to charge this type of interest and provide this type of loan to take advantage of hard-working people. I would like information were to file a complaint against this type of loans?  Thanks,XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: LA
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:
Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im having a issue with XXXX and transunion refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8

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: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My original lender was XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? All of my loans have been in deferment and in XX/XX/XXXX-XX/XX/XXXX they claimed they never received my documents to defer my loans but I agreed to it and now I have late payments which is hurting my credit. This is very misleading and shady. Every time you call the representatives are always giving you wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A revolving credit account was opened with Navy Federal Credit Union on XX/XX/2007, in the amount of {$500.00} utilizing me as a co-signer. However, I never gave any XXXX permission to use me as a co-signer nor did I have any knowledge of this. I recently found out about this ( XX/XX/2007 ) when I applied for a home loan and was denied because this account was in collections but i never knew about this account. So here are the major issues : -The fraudulent account was started on XX/XX/2007 - At the time I didn't have a bank account with any financial institution at the time. I was XXXX XXXX XXXX, getting ready to join the Navy ( XX/XX/2007 ) and I was planning on getting a bank account with Navy Federal then. 
- I did not get a bank account with Navy Federal Credit Union until XX/XX/2007 - Once discovered I did file a police report with XXXX, XXXX in XXXX ( incident report # XXXX ) - I was also informed by a Navy Federal representative that in order for a loan, revolving credit, or credit card application with a co-signer to be approved, the co-signer also has to have a Navy Federal bank account. Which I did not have, I didn't have a bank account at all. 

After talking to a customer service representative at navy Federal I was given a copy of the fraudulent revolving credit application and on it displayed the individual 's name that applied for the revolving line of credit and my forge signature and nothing else. Their was no date of birth, social security number, or any other financial institution information. So, I don't even understand how this was approved in the first place. I have been back and forth with Navy Federal about this issue now for several weeks and they don't seem to care or have a sense of urgency in the matter. Please Help Me With This Issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
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 temporarily postpone payments

Complaint:
I took out a federal loan on XX/XX/1992 at the time I was only XXXX years old and had no legal guardian present to authorize the loan. The school in question XXXX XXXX XXXX XXXX located here in XXXX is now closed and has been for quite some time due to these fraudulent practices. Since then I have experienced extreme financial hardships and have had several of my federal taxes seized and offset. The loan was a stafford loan and one of the lenders was with XXXX and now Pioneer credit corp is the agency trying to collect this debt. The loan has been handled by several different agencies in the past and continues to haunt me. I dont feel I am legally responsible for this loan due to my age at the time and desperately need this matter resolved forever.

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 2016-07-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. I was awarded financial aid through the federal government lending program. Part of the loan was backed by a private lender, now known as Navient in XXXX, PA. I am unemployed and have been since XX/XX/XXXX. They call me daily, threaten legal action and send me registered mail. The fact that I can not pay them at present does not phase them. One of the representatives even told me to borrow money to pay them!! I have asked them to stop calling, etc but they have not done so. It is affecting my sanity and health. I have made it clear on numerous occasions that as soon as I am employed, I WILL take care of the loan, but they still threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX of Caine & Weiner ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a business license first of all, & secondly while I do in fact run a small business, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ 3k+ debt would remain in collections. I have already updated my address info with the city regarding my business long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-02-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I borrow money to go to LPN school in Florida from XXXX/Navient and I needed to take a private loan out to pay school. Disbursement Date XXXX/XXXX/2007 Original Principal {$15000.00} The Unpaid Principal is now. 
{$24000.00} During that time we hit financial hard times and I was unable to finish school or even pay. Constant threats. Now years later I finally finished XXXX school and have been trying to make payment but the original payment was too high so went to income driven plan. In the last 3 years I have made regular payments to see my principal keep increasing. The payments even on the income driven plan keep going up. I will be in debt forever the way they are working this out. Please help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed and I didn't receive nothing from them

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 2016-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX, President, CEO and Chairman BANK OF AMERICA AND XXXX XXXX XXXX XXXXFORECLOSED AND SOLD MY HOME WITH FABRICATED DEEDS. I AM REQUESTING INFORMATION ON THIS ILLEGAL SALE. 
Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX - REQUEST DOCUMENTS FOR VERIFICATION OF SALE WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE

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
Consumer complaint received 2020-03-11
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the 2nd time this year MIDWEST RECOVERY SYSTEMS is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates. The company has in prior posted on my account and has faild to validate debt and was forced to remove the record : On XX/XX/XXXXMIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Credit Posting on XXXX   and XXXX  as Collections with out validation Dear, CFPB. I received information from XXXX and XXXX  that a company listed as MIDWEST RECOVERY SYSTEMS has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised MIDWEST RECOVERY SYSTEMS, that I dispute the validity of the alleged debt in its entirety. 

Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. 

The original creditor is listed as Original creditor : 12 XXXX XXXX  XXXX for which I have no knowledge of any account. 

I affirm that MIDWEST RECOVERY SYSTEMS is illegally attempting to collect an alleged debt and money that I do not owe. MIDWEST RECOVERY SYSTEMS has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. 

As per the law, MIDWEST RECOVERY SYSTEMS shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. 

The CFPB is authorized to investigate this matter and receive related information. If MIDWEST RECOVERY SYSTEMS fails to remove the entries does not comply with this letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX Credit posting shows as follow 's Midwest Recovery Systems Opened XX/XX/XXXX {$470.00} Ori Original creditor : 12 XXXX XXXX  XXXX XXXX  Balance {$440.00} Highest Balance {$470.00} Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 12 XXXX XXXX XXXX  XXXX   Creditor Information MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX See History from this Company : See complaint : XXXX-XXXX  SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in Experian & XXXX which is severely affecting my scores.

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 2021-10-31
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a claim with care credit 120 days ago and I haven't receive any explanation about my claim yet. Amount {$3900.00}. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive hourly calls from an unknown number, however, once a day this call includes a voicemail from XXXX XXXX for XXXX. I am well-aware that I owe a debt to XXXX in the form of overdue credit card payments. Looking back on my device, since XX/XX/XXXX I have received seventy-five ( 75 ) calls from XXXX XXXX attempting to collect my debt. This is without going further back on my actual phone bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I receive this mail the XX/XX/XXXX. where you told me that you had selected me to pay for compensation for the XXXX XXXX XXXX XXXX for fraud on other occasions. Then I received a call and invited me to cancel 2 payments of {$3000.00}. That is to pay {$6000.00} to make me supposely to me to compensate for Wester Union. The total sum of my compensation was {$100000.00}. Those who were never paid. The first payment that issued me had a tracking number XXXX which validates it and the transfer had been made, but it was never made effective.

Company response to consumer: Closed with explanation