BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MN
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 XXXX loans, each is a consolidated loan. XXXX is subsidized and XXXX is unsubsidized. I have been on an income-driven repayment plan since the end of my grace period, which was approximately XX/XX/XXXX. I have consistently paid more than the minimum payment in order to cover the minimum payment plus all of the interest that accrued for that month 's payment. However, I was not told until XX/XX/XXXX by someone named XXXX at Navient customer service that those overpayments I had been making were not allocated in the most cost-efficient manner for me. At the time she told me this, I had no idea that was even a potential problem. I just assumed Navient would allocate the payments in my best interest because no one ever asked me how I wanted them allocated. Furthermore, I have never been told how each payment was allocated and I can not find any place on its website where it shows me exactly how each payment was allocated to my XXXX loans. Therefore, I do n't know how much extra interest has accrued because of Navient 's secretive allocation of my money. As a second, separate complaint, I was also told by a Navient customer service representative that my total unpaid balance on both consolidated loans that I see on my log-in page does not reflect each payment I make, rather those unpaid balances are adjusted to reflect all payments only XXXX times per year. Therefore, unless I keep track of every payment I make and check my unpaid balances quarterly, I really do n't know if/how my money is being allocated to my loans. ( It should not be difficult to change the website to account for each payment Navient receives so that I can have peace of mind that the payment is n't getting lost or misapplied immediately after it 's paid ... banks can keep track of constantly changing bank balances without a problem, so why ca n't Navient? )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was requested to provide proof of insurance for a commercial trailer and have done so multiple times starting about XX/XX/2020. On XX/XX/2020 the lender placed additional insurance with a deductible of only {$200.00} and a cost of {$4400.00} for one year of coverage and added the balance to my loan when they only require a deductible of {$2500.00} and shouldn't need this added insurance anyway. I'm now trying to both get the deductible increased until I can just payoff the loan but can not get any assistance with this from the lender or the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my credit profile that I feel is inaccurate in its filing. This derogatory is dismissed and as the term " Dismissed '' means that it is adjudicated by the law, I challenge the bureaus. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they DO NOT VERIFY to credit agencies. By law I have a right to the complete identification of who " VERIFIED '' this to be accurate. This discrepancy has prevented me in my personal life 's pursuit. I am asking the CFPB to advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Cc : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number ( s ) : XXXX CERTIFIED # ( XXXX XXXX XXXX XXXX XXXX ) Request for Admissions/Default for Non Response To Whom It May Concern XXXX XXXX XXXX XXXX I refer to the previous CONDITIONAL ACCEPTANCE package received on XXXX/XXXX/XXXX Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Your company did not answer my request " Point by Point '' as Required by Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to receive a copy of my recent payment history with Barclays Bank Delaware, due to the wrong amount owed showing on my credit report. I have made several unsuccessful attempts to have a payment history either mailed or emailed to me. Each time I've called I've been transferred back and forth between customer service reps after waiting on hold for 30 minutes or more. I want this information in order to have my information updated on my credit reports.

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 2016-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The gas company, XXXX XXXX terminated my service regardless of my on-time payments. My communication with them lead to disconnecting my gas service. The account was paid in full. They have even issued overpayment refund. They are reporting XXXX late payment on Equifax and my dispute with both XXXX XXXX and Equifax yields that the negative information is reported over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: NJ
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 credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2020-09-01
Company: EQUIFAX, INC.
State: NJ
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 been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 explanation
Consumer complaint received 2021-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I currently have a marine/boat loan with 53 bank. I had damage to the boat, and XXXX XXXX paid a claim. I had to send check to 53 bank for endorsement to pay the repair facilities. One month later I am still waiting on 53 bank to send us checks for the repair facility. I have called almost daily with excuses every day that someone else did not process the check to send to me. I sent detailed invoices for the repairs and how much was needed for each facility. Now one week later I am still getting excuses that the operations  director has not cut my check. I find this to be fraudulent behavior and its costing me daily storage fees since the work has been complete for two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: NY
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:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/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 explanation
Consumer complaint received 2015-06-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. I was paying 1st mortgage because Wells Fargo advised me to do so. But second mortgage I couldnt make. I was bated into believing all the letters they sent me. Pay firsts and house will be ok. But after 5 month. Wells Fargo sold my home that I have owned since XXXX to a private investor. I was forced to vacate my home. Wells Fargo lied to me. I have documents stating home will be ok. But obviously it was not. Thank u for ur time. Plz help.

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 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card
Issue: Other

Complaint:
DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My savings and checking was hacked into 6 times within 3 days ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) of each other. The total amount was XXXX. I was fully refunded but what does banks do to protect you? I was the one who alerted the bank of fraudulent activities. The Manager of the bank was very nice but not knowledgeable on how we can stop this from happening. I never received an alert from them. I had to call the fraudulent department of the bank to let them know what is going on and they too were not helpful. I am a victim of Identity theft. I took all the necessary precautions with everything and I was still hacked. I now fear that my SS number is compromised. Now I am very spectacle about if any banks are safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
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 fraud alerts or security freezes

Complaint:
Experian 's online website never works, and does not allow you to reach a live person. Instead, they want you to mail them the same information - drivers license, SS card, utility bills, etc - over and over again. Then they never do anything - no call back, they don't fix their site, nothing. They have cost me a lot of time and money, and have negatively impacted my life. 
- This has been occurring for over a year repeatedly.

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: Experian Information Solutions Inc.
State: MI
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 these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these three accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these three accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these three account did not use these three accounts had nothing to do with these three account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute  to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These three accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also 2 inquiries to look at my credit report they do not belong to me 1 XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?

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 2020-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I was led to believe that if I opened a Chase savings account, I would be eligible to receive {$200.00} in bonus funds after 90 days. After having been led into opening the account, I was told after-the-fact that the {$15000.00} required to be deposited can not come from any other Chase account. 

I was misled into creating a useless savings account vehicle I do not want. This reminds me of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Caliber Home Loans, 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: Investigation took more than 30 days

Complaint:
I recently filed a complaint with the XXXX on XX/XX/2018 in regards to Caliber homes reporting inaccurate information on my XXXX credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. Caliber home loans say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.

Company response to consumer: Closed with explanation