BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
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: Information belongs to someone else

Complaint:
Equifax is reporting an unknown address on my report. Please remove XXXX XXXX XXXX XXXX XXXX, LA XXXX from my credit report immediately! I have never lived here and this address was used to get an account in my name that resulted in me having a collection which was cleared due to the ftc claim and police report. I will be seeking litigation if this is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
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:
Navient made it difficult to get ahead of my payments from the beginning. I began paying after I graduated in XXXX. What I did n't know is that in the first 2 years of repayment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, only {$29.00} of my total {$1900.00} in payments would go to my principal. I essentially paid only interest for 2 years. 
On XXXX/XXXX/XXXX I began increasing my payments to around {$400.00} a month up from the {$100.00} minimum. When I chose to decrease temporarily to the minimum because of some life expenses, I was told that my required minimum monthly payment had been automatically increased without my authorization to the {$400.00} I opted to pay - and they would not let me decrease. It took me several phone calls, arguing and being really forceful with managers to get them to acknowledge that my higher payment was a choice, not something I agreed to changing. It took even more force to get them to stop the next payment which was still almost 2 weeks away! I ca n't imagine what the outcome is for people that have less customer service experience or who are not comfortable being assertive. I have asked twice - once last XXXX and coincidentally once again just a few days ago - to make payments by phone paying only the principal and was told that 's not an option. Navient has consistently made it difficult to accelerate paying down my loan either automatically or by phone without paying for interest, which defeats the purpose of making extra payments. At the current monthly minimum I 'm scheduled to pay off my Navient loan in 10 years when I 'm XXXX. 
Has anyone else that made additional payments earlier this week ( I made mine on XXXX/XXXX/XXXX ) that their due date was weirdly not for several months and today lo and behold, the due date is this month?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had called several times to the lender asking how to avoid interest fees and I followed the directions given to me over the phone and I was still charged enormous fees and I feel as though I was robbed and I am very disappointed. I also called and tried to strengthen this out and was told it would be and its still not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: NC
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 XXXX  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies

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 2022-09-01
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This is for the company : Zelle XX/XX/XXXX the transaction happened, and XXXX XXXX was notified and denied to reimburse me even though I have the Zelle persons information etc. I am not satisfied that I do not get reimbursed while the scammer goes unpunished. 

This person on XXXX XXXX XXXX, who had the name XXXX said he has XXXX tickets to outside lands, but would need me to transfer the money to his friend on Zelle. After transfering, I wanted the confirmation and he said the ticket office would email. They never emailed. I tried to write XXXX and call many times on his XXXX, no response. Then his profile disappeared with a new name XXXX, and the Zelle person I transferred money to deactivated their account! Because I have the Zelles persons email I wrote them and they pretending it is not them even though it is EXACT EMAIL. I demand I get reimbursed and they get punished! {$210.00} is a lot of money! Zelle and the banks are being not acceptable If you also need the email convos of the Zelle person who is pretending it was not them, let me know. This is completely insane

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Social Finance, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a SoFi credit card in XXXX of 2021 and received it I never used it until XXXX of 2021 but never received my order.The total of that order was {$80.00}. My XXXX card statement showed several charges that I deny was from me. I filed a fraud claim. The charges were temporarily discharged The XXXX. statement still showed 4 charges that were not discharged. I still hold that those are not my responsibility either. I have been trying to contact SoFi 's fraud claim investigator, XXXX, several times, l left several messages and now her voice mail is full.XXXX 's phone number is XXXX, ext # XXXX. SoFi has now reported me to XXXX credit bureau and my credit score went fromXXXX to XXXX overnight.I tried to contact the merchants by phone and web site. They were either busy signals or phone numbers did not exist and I couldn't find any web sites that existed.The initial SoFi investigator 's name is XXXX. her extention # is XXXX. Neither XXXX nor XXXX have returned my calls.I am XXXX XXXX XXXX and have no use for the products that were illegally charged to my account. My full name is XXXX XXXX XXXX. my email is " XXXX ". the last four numbers of my account arecurrently '' XXXX ''. previously they were XXXX ''. after the initial investigation I received a letter stating that the charges were discharged so I cut up the credit card and forgot aboiut it until the XXXX statement arrived with four similar charges still there. This card was issued by the XXXX XXXX XXXX who hired SoFi to administer for them. 
In summary, why did SoFi only discharge just certain charges. when they were all charged during the same time period. It is clear to me that a theif took advantage of an apparent oppotrtunity to steal my card and Identity. to enrich themselves at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
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: Account information incorrect

Complaint:
EXPERIAN AND  XXXX  are both reporting a completely fraudulent collection account, number XXXX .   by  XXXX   XXXX   XXXX   XXXX , a company under CFPB Consent Order which requires submission to CFPB supervision.The problem arises from the incompetent hospital biller  XXXX  represents,  XXXX   XXXX   XXXX   XXXX   XXXX  .I had  service there 1 day  in 2014,  The hospital biller puts  XX/XX/14    on  XXXX  bill and  XX/XX/14    on another for service that occurred on  one  day.If a hospital can not bill an insurer correctly then that insurer can not be held to bad faith.I was fully insured that day of service after employment by  XXXX , after a leave of absence, and then finally I paid a Cobra policy in a timely manner.One check for COBRA was written to  XXXX  on  XX/XX/14    And cashed by  XXXX  on   XX/XX/14 .A COPY OF  THAT CHECK IS ATTACHED.Also you are aware that insurance is not paid in arrears, and  XXXX  ha d that ch eck cashed ju st two  weeks prior to hospital service.I 've attached proof of  XXXX  'S incompetent billing, not even knowing what day the servic e occurred.The credit  bureaus must get  XXXX  to  certify th e correctness of the information or  delete immediately.  XXXX  already took a stand and deleted the  XXXX  account which vaulted m y credit score b ack up to  XXXX , OVER  XXXX  FICO  XXXX   points.This  willful error of  XXXX ,  XXXX  and Experian and  XXXX  who relay their false information is getting expensive.I 'm a middle tier interest rate on mortgage and credit cards instead of the very top tier I deserve.I 've been told by  XXXX  bank that EXPERIAN 'S REPORT put me in the middle tier fro m 14 per cent to 20 pe rcent on their credit card.   I ca n't have my real estate broker get a mortgage until this issue is put to rest.   THERE HAVE BEEN MULTIPLE INVESTIGATIONS WITHOUT THE EVIDENCE ( attached ) PROVIDE D HERE.THE EVID ENCE SAYS THIS ACCOUNT SHOULD N'T BE ON MY REPORTS AND  XXXX  DESERVE S ONE M ORE GIANT  XXXX   XXXX  DOLLAR FINE FROM THE CFPB.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2016-08-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have spoken with representatives at XXXX XXXX on two different occasions in the past three months- both times I was told that I had no debt being managed by XXXX XXXX . In both cases, they confirmed that my previous debt was from XXXX XXXX XXXX and on the second attempt to get this removed from my credit report, I called XXXX XXXX XXXX to get a letter that states that I do not owe XXXX XXXX XXXX anything. They complied, but XXXX XXXX refused to provide a letter that states that I have no debt with them- regardless of the fact that they are reporting I do. They should have to prove this since it has negatively affected my credit, cost me thousands in interest and disqualified me from refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX reported 5 months of over 30 days late payment and that was not true. I was in forbearance for exactly XXXX year and i was assured time and time again that forbearance would not reported as late payments. I was never ever late on a payment before or after the forbearance. Yet they have destroyed my credit by their erroneous reporting.

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 2022-04-09
Company: Grain Technology, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Grain technology has been blocked from my XXXX debit account for initiating unauthorized transactions varying in dollar amounts multiple times a month. Grain technology is only authorized to take one payment a month. I have spoken to representatives in regards to this issue. I only authorized the company to take one payment a month and instead they initiated payments of varying amounts. I never gave them authorization to do that. The pictures show grain technology attempts to take multiple payments which have been denied by my bank due to the fraudulent nature of these unauthorized transactions. Ive also included part of an email I sent in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the XXXX XXXX XXXX such as Experian, XXXX and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked Experian, XXXX and XXXX to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX pl XXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and 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 non-monetary relief
Consumer complaint received 2022-04-09
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I was not admitted for any XXXX services at this establishment. This seems to be some type of clerical error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
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 the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I did not authorize nor consent to any of the accounts being reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-12-31
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint with Chase Bank. This is additional information from a previous complaint Re : XXXX. I applied for the Home Loan Modification program XX/XX/XXXX, due to financial hardship and job loss. The first application, Chase incorrectly calculated my monthly gross and net income. I was denied. Then, I repeatedly completed over XXXX applications for a modification and I have not had any success with the HOPE assistance program recommended by Chase. During my unemployment from XX/XX/XXXX - XX/XX/XXXX, Chase appeared to be working with me to avoid foreclosure. However, throughout the process, I was repeatedly denied any homeowner assistance for a interest rate modification or alternative option. I resumed paying my monthly mortgage XX/XX/XXXX and I am currently 3 months delinquent. I understand my loan is insured by USDA, but I do not understand why I do not qualify for any loan modification. My applications stated that I " do not meet the minimum financial requirements of the investor or insurer of my loan. '' I understand it 's all about the numbers, but it is not clear what would be the min/max standard for Chase or the investor to re-evaluate my interest rate modification. What are the minimum requirements? What does chase need to calculate a proposed -post modification debt to income ratio that is within the acceptable range of the program?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased XXXX dollars us bank gift card on XX/XX/. When I tried to use the card, it was not working. I called the phone # on the back of the card, and the agent told me the card was disabled because someone was trying to use the card several months before I purchased the card. The agent advised me to use their website to submit purchase proof and IDs for replacement. I did what as instructed and weeks later, I called them again ; they told me they could not view the files I submitted due to an incorrect file type, and they could only take PDFs. I asked the agent how can the website designed to receive the file with the incorrect type in the first place!!! She told me to resubmit the document in PDF, but their website is no longer working. Once some documents were submitted for a card, you can not resubmit any other information. It is a terrible design indeed! The agent again advised me to mail the documents to them using the US MAIL. I again did what as instructed, and weeks later, I called the phone again to check the status. The agent told me he does not see any updates yet. I need to call back after 2-3 business days. I think this is unacceptable.

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 2016-05-27
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX repossessed a XXXX sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. XXXX sold this account for pennies of the dollar to Calvary portfolio Services of XXXX New York acct # XXXX wo called me at home atd told me I was a XXXX who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. XXXX did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only XXXX but not XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On Saturday XX/XX/2020, I was approved for an auto loan totaling {$78.00}, XXXX. I went to XXXX XXXX XXXX and purchased the vehicle with the check given to me by Navy Federal. On XX/XX/2020, the bank refused to validate the check with the dealership citing that it was too much after giving approval on XX/XX/2020. I have been a loyal customer of Navy Federal for almost a decade. I have been financed for several loans and paid timely. I have not had an experience like this before where I was allowed to purchase a vehicle and then told the loan is not approved. This is terrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation