BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: AES/PHEAA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please pull the phone records for a conversation that took place approximately XX/XX/XXXX 2015 between myself and a Fedloan customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that Fedloan starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XX/XX/XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with Fedloan, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with Fedloan! 45 late payments is malicious and has indescribably made my life a living hell. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX XXXX solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these Fedloan false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my Fedloan student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was booking hotel reservation through XXXX XXXX XXXX ( XXXX ) Mobile App and I was presented with offer to apply for XXXX XXXX XXXX Credit Card provided by Chase that will allow me to earn XXXX bonus points and {$200.00} credit statement if I spend {$3000.00} in first 3 months ( I have all the proofs in screenshot format ). Considering this as a good offer, I applied for the credit card and was approved for it. After receiving my credit card, I spent approximately {$4500.00} in first 3 months. But as a bonus I received only XXXX points and {$200.00} credit statement. I reached out to XXXX Customer Service to question about remaining XXXX bonus points and they are of no help as there is finger pointing between XXXX and Chase. I explained to XXXX that I applied to this offer through their XXXX XXXX App and they are responsible for advertising it ; but they are not willing to resolve this issue. This is a fraud that they are offering one thing and delivering another thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient took over my student loan in early  XXXX  ( late   XXXX   ). When they called, they asked that I make a payment at that time. I explained that I was making payments for my school, my daughter 's, and paying on my husband 's tuition. I was granted a deferment for a period of several months.
<P/>
During the process, I kept the representative on the phone for over an hour, asking many questions and verifying that I would not be taken advantage of by this company again. I was even told that the conversation was recorded. I had previously had a bad experience with Navient 's partner and predecessor,   XXXX   XXXX  , who stole several thousand dollars from me, doubled my debt, and sold my account after I proved the theft by providing 20 consecutive checks ( they only asked for 10, but I had several more ).
<P/>
Well before the deferment was up, Navient again contacted me asking for money. When I asked about the deferment, I was told that I only had a 10 day forbearance. I spoke to " managers '' and other departments who stated that they ONLY give 10 day forbearances. When I argued that they were lying to me and demanded that they play back the recording, I was placed on hold for over half an hour, only for a " manager '' to return and state that they decided NOT to listen to the recording and that I just needed to pay the extensive late fees. I KNOW they played back the recording and are refusing to admit guilt. At the time fees were over {$200.00}, now they are over {$400.00}. Since then, I have spoken with dozens of managers and contacted the Ombudsman, my congressman, and my governor 's office. All of which have contacted Navient. Navient 's only response has been that they will defer the payments, but they still want the now nearly {$500.00} in late fees. I have not paid them anything because of the late fees and have stated many times on the record that I will pay once they remove the erroneous fees that they charged me. They are clearly refusing to correct the problem by running up the debt with fees, so they can say that I never paid, but paying an erroneous debt is an admission of guilt and will allow them to legally keep the overpayment. This feels like another attempt by the same company to steal money from me. They DELIBERATELY deceived me into believing that I had a deferment, only to charge late fees on the account and are now refusing to correct the issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
In light of the recent investigations that have been brought up against Equifax, I have found the my credit profile is being irresponsibly tampered with. Over the past two years, I've made several attempts to remind you of the obligation pursuant to 15 USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigations all of the unverified information must promptly be removed. As you should see in records, these accounts were disputed without being properly investigated thus I know that they can not be verified or validated. 
The accounts that I am referring to are listed below. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received a fraud alert before I received the card. 

Multiple phone calls, somewhere around XXXX, have been told XXXX times the problem was resolved, but, it wasn't, next calls keep resulting in letters I need to wait for. Letter had no useful information. 

I have the card, but, they keep giving me runaround about verifying 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 non-monetary relief
Consumer complaint received 2022-04-05
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Auto pay was set up with Homeside Financial to come out of the checking account on the XXXX of every month since opening the loan in XX/XX/2021. 

In XXXX we got a letter saying we were moving from Homeside Financial to Lower as a service transfer. 

On XX/XX/XXXX, I called Homeside to find out why the payment for XXXX had not been taken from the checking and they said it was due to an issue with the service transfer and my account being held back to stay with Homeside. 

They took my payment by phone and said that my autopay would continue as scheduled and they were sorry this caused an issue with the XXXX autopay that was to due to confusion on the backend with Homeside and Lower. 

As of XX/XX/XXXX, there has been no attempt by Homeside or Lower to notify us of this reverse on the service transfer and the fact that this affected the XXXX auto pay. 

There is an entire set of customers who are going to get any notice outside of their grace period and they will be affected by their credit score, their interest applied and their time spent having to solve this problem for Lower and Homeside. 

Hopefully people see their accounts are not being debited or they are going to have a negative impact due to Homeside and Lower 's confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have been fighting to have JP Morgan removed from my credit report, they have never replied to my investigation with the info I requested. All I received is the investigation is complete and verified. I have asked for what they have that verified the account they did not send copies. I have also send my 3 bureau credit report showing the inaccuracy 's they then removed interest they had been adding which is illegal on a closed account and goes against the FCRA. The past two months they have reopened the account with XXXX and this is causing catastrophic damage to my credit score. They legally can not open a closed account from XXXX that I have been disputing trying to get proof from them proving this is my account I would like this account. I have asked All three credit bureaus to remove if they can not show my proof. They never reply with proof just that is is valid. according to the FCRA is they can not show me what they have to prove this is my account with my signature they legally must remove ; they have not, they have instead reopened the account. What the credit bureau 's are doing along with JP Morgan auto is illegal and abusing their power to hurt people financially. I want this account removed from all 3 credit reports and would like to file a formal complaint against JP Morgan Auto for abusing their credit reporting authority. 

1st letter sent : XX/XX/XXXX 2nd letter sent : XX/XX/XXXX 3rd letter sent XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-09-14
Company: EQUIFAX, INC.
State: MD
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:
Equifax, XXXX and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: HCFS Healthcare Financial Services of TeamHealth
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 company multiple times with the credit bureaus and cfpb and my issue with their erroneous and unlawful reporting has not ceased. I've asked them to provide me with proof that they were given permission to obtain this debt from the original creditor by me. I did not sign any consent forms in my name for any medical professional to sell or contract out any bills claimed to be owed by me. A bill does not prove that the debt is validated as mine. ARS continue to respond to my disputes with a statement saying the balance owed is reporting as correct. However the balance itself is not what i am disputing nor does it justify their unlawful acts. Below is a summary of my requests made more than 60 days ago. 

I received a bill from you .... and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from .... 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ... ... ... ... ... for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged 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 2022-09-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX needs removed Filed several complaints and the file is still on my 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 2017-06-09
Company: AES/PHEAA
State: MN
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 had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XX/XX/XXXX  my  XXXX  credit report is showing my loans twice.   I am in the process of consolidating my student loans with   XXXX   XXXX  , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping  my credit score ( FICO  )  XXXX  points!!   I can not do another dispute with  XXXX  due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score was dishearteni ng.  <P/> I need to have these " evil twins '' removed from my report ASAP.  <P/> Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Public record information inaccurate

Complaint:
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following company is using my information without my consent. I asked the company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the company no action was taken. I demand that this company remove these negative remarks off of my credit file due to the fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been a full time student since XXXXXXXX 2017, returning to XXXX XXXX University for graduate school. Since enrolling I have continually attempted to place student loans in deferment with Navient. All request have been denied due to being in a " modified rate program ''. I have sent multiple request via fax, email and their online portal. All request have either been denied or unacknowledged. Since the payment was manageable at the time, I continued to make on-time payments to Navient. However, I recently received notification that the " modified rate program '' that I was enrolled in would be expiring. The email stated a needed to submit an updated financial statement to continue the program I was enrolled in. The email provided a link to the form which needed to be completed. I submitted the form to Navient via email to continue the " rate reduction program '' and never received a response. Now the " rate reduction program '' has ended and my monthly payment has doubled. As a full time student the  payment is no longer manageable. Navient continues to deny placing the loans in deferment and has not responded to my request regarding a lower payment option.

Company response to consumer: Closed with explanation