BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: NV
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:
XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. 

I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. 

Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. 

I really appreciate it! 

Thank You! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting as derogatory mark on my credit and I did n't open any accounts with them nor have i received anything in this mail about this company and it is affecting my credit and needs to be removed immediately.

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 2022-08-26
Company: Mercedes Benz Financial Services
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with XXXX from collections department at Mercedes Benz Financial Service calling on my delinquent vehicle I explained under extreme hardship at first refused to submit for a deferment! I did advise him he just begin talking to me without properly informing me that this is an attempt to collect at debt nor did he advise me the call was recorded nor did he complete full verification of who am I this is breech of private information snd he could have given anyone my information! I will be considering going forward with this matter if this matter is mot handled and straightened immediately! Nor for not having compassion for customers doing their hard ship while breaking the law is very hurtful and scary

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: EQUIFAX, 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:
the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from XXXX, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
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:
I have 3 student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XX/XX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XX/XX/XXXX and taken over by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had storm damage from falling trees on our property. The insurance company paid the claim with a check to us and the mortgage servicing company -- Fay Servicing. Fay demanded that we endorse the check to them and that they will dole out the funds. We found a contractor to remove the trees but Fay sent us a check for only 1/3 of the total claim ( there are other tasks to repair our property after the trees are removed ) payable to both the tree contractor and us. The contractor will not do the work without the guarantee that that they will be paid when the work is done and indicates that they have had difficulty with collecting from mortgage companies and insists that we guarantee payment if the mortgage company does not pay in 30 days. The mortgage company will not guarantee that they will do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NC
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 applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report.

Violate 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to any one to share my credit info Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-16
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 information incorrect

Complaint:
My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on 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 2017-04-11
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld claims I owe for XXXX and continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX continues to call a place of business for someone that does not work here. I have asked them to remove our number over three times now and nothing changes. They list a number to call to have your number removed but obviously it does nothing. It is getting very annoying that they call almost daily and give us NO way to make it stop. This is a business and we take important calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was charged over {$10000.00} for 3 months of schooling. I gave back the computer and the books and was still charged with this outrageous amount. I am now XXXX and am unable to work so I am having a lot of trouble paying back my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Credit Bureau Services Association
State: OK
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:
This account was paid by my insurance carrier through a negotiated payment. XXXX knew this when they accepted my insurance. I contacted the collection agency and asked for a copy of the invoice to send to the insurance carrier. I was told the account is too old to submit to my carrier how did I want to pay this off? 

CBSA XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1700.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1700.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. 
My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. 
In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. 
This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 Chase closed down all of my credit card accounts personal and business. the given reason I received in a letter was, that there was unexpected activity on my account. however I feel this was done purely out of discrimination against me. I had have a relationship with chase for many many years and I never ever failed to make a payment on time, the closing of the accounts really hurt me and having spoken to numerous managers of chase no one was able to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2017-04-11
Company: SECURITY CREDIT SYSTEMS INC
State: CA
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 already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below. 

My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later. 

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. 

1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER. 

3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to. 

4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected. 



Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of America is not honoring my claim of a fraud check worth {$3200.00}. I deposited the check on XX/XX/22 and the teller told me that the funds will be in my account after midnight. I checked my account the following day XX/XX/22 and the money is in my account. And on XX/XX/22, the bank found out that it was a counterfeit check and they took the money out from my account. Why did they put the money in my account before the check was cleared? I am a victim of a fraud check scam. Why are they not honoring my claim? Please help me. {$3200.00} is a lot of money for 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 2022-08-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Wells Fargo advertised their business platinum card coming with a {$350.00} cash bonus. Wells Fargo claims they paid me the bonus but they have not. There is no way for me to access the cash back balance or the rewards membership # associated with the business card.

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 2022-08-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from XXXX  or Transunion at all.

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 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Nothing that is the problem. Simple request ... ..PLEASE MAKE CAPITAL ONE STOP SENDING ME OFFERS OPT OUT MEANS OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I paid {$1000.00} to Top Flight Assistance for credit repair services. After months of no contact, the company is now unreachable by phone or email, and I have not received any of the agreed upon services as stated in service agreement contract. I have made several failed attempts at messages thru the companys app based client portal, which Ive since been locked out of, and attempted calls and texts to members of the staff who originally were tasked to handle my account.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-03
Company: CITIBANK, N.A.
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 have called and tried to resolve these late payments showing on either of my CITI accounts. I was in deferment due to COVID and they are violating the CARES Act.

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 2022-03-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I spoke to Equifax today and they advised they will not accept the FTC report and rejected it as the inquires I disputed does not have a date listed. This is absolutely ridiculous! I was affected by their data breach and yet they will not correct the fraudulent information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Creditor Advocates Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. 

I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state

Company response to consumer: Closed with non-monetary relief