BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In the year of XX/XX/XXXX, I was having great difficulty making payments after Navient, XXXX XXXX at the time started requesting me to pay after I graduated. I could not afford the monthly payments and asked them if it could be lowered. Customer serviced explained my only option was to go into forbearance. With this option all payments will be stopped for a period of 6 months. They explained that {$50.00} would be applied as a fee and is non-refundable if I am approved for this " program. '' After 6 months, my payment increased to {$250.00} and I entered into forbearance again because I still could not afford it. And was only paying the minimum {$50.00} towards interest. Even so, my balance still increased significantly. For the past 4 years I have been in forbearance because of there being no other option to lower my payments. A loan that I only borrowed {$31000.00} has increased 100 % in 4 years to {$61000.00}. I sent in paper work back in XX/XX/XXXX of XX/XX/XXXX to Navient to request lower payments based on my income, but I was denied with no explanation. It is now affecting my credit because I have no way of paying {$800.00} per month. I have minimum amount of {$7000.00} due and in serious trouble of this going DEFUALT. I tried talking to companies to help consolidate or help work a settlement to lower my balance but nothing seems to work in my favor. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
Contacted Experian with a companies ilegal reporting of an account that is 14 years old, the company has illegally re-aged the debt to reflect current activity reflecting the last 6 months as the debt being past due. The account has been resold various times and each time the company fraudulently reports outdated information as new to damage my credit And experian fails to properly investigate or block the information according to FCRA law. 

Company is XXXX XXXX XXXX XXXX which is not the collection agency legal name, and the address is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Opened XXXX I have been denied credit and had to pay a higher interest rate on car purchase because of this ilegal reported item. 

Experian Fails yo remove the item

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 2020-10-06
Company: Experian Information Solutions Inc.
State: PA
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:
The car was crashed my insurance XXXX paid {$11000.00} and the gap insurance XXXX XXXX paid the remaining balance except for {$500.00} to XXXX XXXX auto finance. It comes up on my credit report as a repossession. I had to pay higher interest rates because of this information

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 2020-04-21
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX NEVADA ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-12-03
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.

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 2020-01-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had a XXXX Fico score prior to the payment issue on my account. Throughout the entirety of my loan with 5/3rd bank I paid ahead online using their website. I have been a good paying customer and continue to do so with this company. During the month of XXXX I was notified by XXXX XXXX through their XXXX product that I was going to have a late reported on my credit to my surprise. I looked up the item on the XXXX product and found that it was the 5/3rd auto loan I had on my truck. During this time I received no calls, no statements, no letters, no communication at all from 5/3rd bank causing this to go by with no notice. From working at a banking institution this lack of communication is against federal regulations and resulting in damaging customer financial well being. As soon as I found out I immediately paid 3 months of payments and paid my account ahead again. Due to the lack of communication from this bank this has now damaged my credit causing it to go down to XXXX!!!! I then called the bank and they were also shocked that no communication was turned on from my account. I have had this loan since XX/XX/2016. I am asking that this late be removed from my credit and get my FICO back to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Wells Fargo Everyday Checking account on XX/XX/2019, and as part of the online account opening, made an opening deposit of {$50.00}. I opened the account on a page that offered a {$400.00} promotion bonus if I received a cumulative monthly total of {$3000.00} or more in direct deposits to the account. 

In XXXX, I received {$3000.00} in direct deposits. In XXXX, {$5700.00}. In XXXX, {$5300.00}. So I should have qualified for the bonus. Wells Fargo did not award the bonus and I called them to resolve this. Wells Fargo argues that they go by statement months and not calendar months. This was not said anywhere on the promotion page ; indeed, the language says " cumulative monthly total of {$3000.00}, '' and to a regular English reader, this means calendar month. Please award the bonus and issue an apology. A picture is attached of the promotion page.

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 2017-07-25
Company: Fidelity National Financial, Inc
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Reopen case XXXX and XXXX. Fidelity did not send me a response to my letter of inquiry directly. I discovered their answer on the CFPB website. The answers furnished by XXXX XXXX to my six questions are incomplete. Their company has no grounds to not honor their policy as there was no " purchase. '' The company is obligated to honor the policy as XXXX XXXX ( My former name ) and the XXXX XXXX XXXX XXXX as it is me. This company through XXXX XXXX XXXX failed in their fiduciary responsibility to disclose the trust and trustee ( question 3 ) or the financial asset account number generated from the sale of my securitized 2005 note. XXXX XXXX asserts she has no knowledge of any trust? XXXX XXXX claims Fidelity has no responsibility for the actions of XXXX XXXX XXXX yet answers for them. Fidelity, XXXX and XXXX XXXX XXXX used the XXXX system to hide the trust and financial asset they created which still remains undisclosed to me. XXXX XXXX lacks standing and XXXX XXXX  never gave me a loan but they got paid three times over and beyond on the sale of the securitized instrument governed by XXXX and mistakenly tied to the collateral my property XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: MS
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/2019, I disputed some unverified and inaccurate items that i seen on my report with experian. I haven't gotten any paperwork verifying this issue as of yet. please assist me in this matter cause its causing me great grief and stopping me from getting a house

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 2018-12-03
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds  into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXXand deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.

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 2017-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Submitted A Dispute for Fraud After  Over 5k was mis sing from my Account and they Never followed up with me 30 days later I contacted them and they said a form needed to be filled out I filled it out and sent it back same da y two weeks lat er I called and they had denied it no written anyt hing and two weeks. Then the guy on the phone said that he was submitting a appeal and then I would know  in  two days b ut then I it was ag ain two weeks later I called and they declined it again! So then I submit my etc affidavit and police report and still nothi ng

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX hurricane Micheal affected my area, I live in XXXX XXXX, fl, I was without phone service and internet. Once phone service was restored I attempted to reach out to XXXX XXXX to ask if there was any way they could offer assistance since I was also out of work for over a month. I attempted to call and email and never heard a response. They reported my late payment and charged me late fees. I still have very limited internet access and I still have not heard from them except to receive my next monthly statement.

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 2018-12-03
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to use a " XXXX XXXX '' online calculator, I inadvertently submitted a request for mortgage brokers to contact me. QUICKEN LOANS immediately contacted me by phone. I told them it was premature because I needed to fix some things on my credit report, including waiting a few more weeks for some hard inquiries to go away after two years. I explained I did NOT want them to do a hard inquiry because it was premature. I explained the situation, because I was willing to work with them when the time was right. After my explanation, I asked " what are the next steps? '' The male person on the call ( there were two, one was female ) said the next step would be to pull a credit report, and I said OK, acknowledging that such would be the next step. I expected him to continue by giving me contact information that I could use when I was ready to run the report. Instead, he ran a hard report in direct contradiction to my express instructions. That hard inquiry is now on my report for two years, and has already negatively affected my credit. I told them to contact the credit bureaus and explain that it was their mistake but they refused. I am extremely angry because I have been working on my credit. I need to refinance and this will negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is a new complaint in response to an old complaint : XXXX being closed in error before it was resolved. JP Morgan Chase Auto Finance lost the title to my vehicle in XXXX of XXXX, and failed to provide the title to me so I could register my vehicle in Washington state, then continued to lie about steps they were taking to resolve the problem even after paying it off. It has been 4 months since the original request for a copy of the title was submitted, and almost 3 months since the vehicle was paid off. Although the XXXX office, specifically XXXX XXXX, responded to the complaint, both JP Morgan Chase Auto Finance and CFPB closed the complaints before their titles office began the process of requesting a duplicate title from the California DMV, which they said they would do. They needed to complete a title perfection by providing the CA DMV form 227, and failed to do so after confirming with me that they would do so within 45 days after XX/XX/XXXX. The vehicle was paid off on XX/XX/XXXX and the payment processed on XX/XX/XXXX. I received a notarized release of lien letter from them ( from two different title offices in Ohio and Texas ) that were dated XX/XX/XXXX and XX/XX/XXXX. Someone from their titles office contacted me to request a current copy of my drivers license on XX/XX/XXXX, nearly 4 weeks after the confirmation that they would complete the paperwork for CA DMV, which I promptly provided. As of today, XX/XX/XXXX, the CA DMV has had zero contact with Chase Auto according to phone calls with 2 different customer service representatives checking their records. It appears the Chase titles office has no intention of providing the necessary paperwork ( Form 227 notarized ) to CA DMV that allows them to create a new title in my name to send me. As soon as a response was provided to CFPB from the Chase executive office and you closed this case, they stopped responding to my requests entirely. The CA DMV may or may not honor me filling out this form on behalf of Chase without the proper notorized signatures on the correct form so I am at the mercy of Chase to provide the paperwork. Chase must be held responsible for taking my money and holding my property XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Medical Data Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the name of the company is medical data systems inc ive already removed this from my credit its fraud not me ive been in michigan this is getting old i keep getting it removed and it keeps comeing back do something gabout these theifs

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 2020-01-02
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.

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 2020-01-02
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: DISCOVER BANK
State: PA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to 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 2023-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Have had several reps being disrespectful asking how I manage to pay my other bill and can't pay this. Said if not paid will take me to court and wage garnishment. This would definitely not come off my credit report. Asked to original contract with wet signature, original payment history, and purchase of assignment and was told they could not give this because not in file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Account information incorrect

Complaint:
Inaccurate and clearly unverified information is being reported for me. I am a victim of identity theft and I need verififable proof that all information being reported has been verified.

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 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation