BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Over the years I borrowed Like {$80000.00}, now I owe {$200000.00}. First of all this is crazy. The interest is ridiculous. I have asked they consolidate ALL my loans which they have NOT. The President has payments on hold, EVEN defaulted loans. I can not get a break, they call me over and over again day after day. I have tried to go online to at least make a particle payment. But their site says it doesn't recognize me ( how can you give your birthday & SS number and it not find me ). If this is so, how can they keep calling me. I sent them an email a while back about the Presidents Hold, that just made them call me more.

I just want to make them stop calling me until repayment starts. I also want to get online to their site without having to call them because if I call they just harass me more. Please tell me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recived an email from AMEX for XXXX XXXX XXXX, I know my credit is horrible and will not quailfy for approval, so there was a XXXX XXXX ran to bring m y score down through XXXX, I am trying to build my credit and this credit company is preying on me through my business name XXXX XXXX XXXX XXXX, to lower my XXXX XXXX, please provide a dispute so I can remove this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
So I've been in the jewelry and watch business  for the last 9 years, and take a large amount of business via cash transactions, I had a account with chase and they closed my account for doing what the account was intended to do deposit cash, i also paid myself in cash and they closed my personal account ... Depositing legal tender " cash, '' into a bank account is the intended purpose yet the choose to close my account last year. This year and most recently i opened a marriott XXXX credit card and always paid my bill by bank debit, all was fine they charged me a annual fee i paid, paid the bill in full every month. Tonight i logged in after my card was declined on a business trip and it said account closed, I called them and asked why I was told it was a business decision. I asked at the least for a refund of the annual fee... its for 1 year... .and was told they would not refund the fee. In america banks should be obligated to accept us dollar deposits in any amounts, and if your going to close a account should obligate you to credit back the annual fee you charged your customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Unifin Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a text message ( XX/XX/23 ) that read : Welcome to Unifin! Call us about account # XXXX  at XXXX or at https : //unif.in/act Msg & Data Rates may apply . Reply HELP for help. Reply STOP to stop. 

I have no unpaid debts and have credit monitoring which shows no collections on any accounts associated with me. The accounts with balances that I have are on auto-pay and I just checked to ensure that they still are- they are. So I believe this is a scam or an attempt at harassment. I have also not received any letters through the US mail about debt. I did not reply to the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously had Internet service with XXXX XXXX. Couldn't afford the service anymore. I was informed I owed {$240.00} for the devices used for the Internet service. Called them and instructed a sales rep come pick up their device. He did pick it up and informed me there was nothing owed once the device was returned. I received a call from an attorney who stated I owed the amount listed above. I informed her the device was returned. I look at my credit report and the amount they claim I owe has gone up to {$500.00}. I don't owe XXXX XXXX anything once their device was returned.

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 2022-11-29
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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. 

I AM A VICTIM OF IDENTITY THEFT. THERE IS FRAUDULENT INFORMATION ON MY CREDIT REPORT THAT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IN 4 BUSINESS DAYS. 

FRAUDULENT ACCOUNTS : XXXX. Account Name : XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX FRAUDULENT PHONE NUMBERS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.

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 explanation
Consumer complaint received 2022-08-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with Kohls/Capital One and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from XXXX XXXX to Nationstar Mortgage LLC aka Mr. Cooper on XX/XX/XXXX. My escrow balance of {$2100.00} was also transferred to Nationstar Mortgage. I received a welcome letter from Nationstar stating the amount of escrow balance with the statement " Our records indicate that you have an escrow account for taxes and/or insurance '' XXXX XXXX did an escrow analysis on XX/XX/XXXX stating that we had an escrow surplus and sent us a check for {$430.00}. My Hazard Insurance was due on XX/XX/XXXX. Nationstar/Mr. Cooper did not make the payment. Nationstar/Mr. Cooper had all of the necessary information available to them to make the payment ; Insurance Company name : XXXX XXXX and address, policy number, due date and amount due {$800.00} Therefore our Hazard Insurance was cancelled. We did not receive notification from our insurance company that our policy was cancelled. 

We received a letter from Nationstar/Mr. Cooper dated XX/XX/XXXX and XX/XX/XXXX stating that our hazard insurance had expired. We contacted our Insurance company and they stated it was cancelled for nonpayment. We were able to get our policy reinstated. I called Nation Star/Mr. Cooper and spoke with a representative on XX/XX/XXXX and asked her why they did not make the payment. She stated that " this happens all the time '' and tried to place the blame on me for not contacting my insurance company to let them know that I had a new mortgage company. I pointed out that they had all of the information they needed to pay the bill. 

I received another letter from Nation Star/Mr. Cooper stating that I needed to provide proof that I had hazard insurance coverage for the lapsed period XXXX or they would by a policy on my behalf. I did not have proof of coverage because Nationstar/Mr. Cooper did not make the payment that was due on XX/XX/XXXX. I was not informed my Nationstar/Mr. Cooper that my policy had lapsed until XX/XX/XXXX. 

Nation Star/Mr. Cooper withdrew {$1800.00} from my escrow account to pay for a Hazard insurance policy from XXXX XXXX XXXX XXXX issue date XXXX cover the lapsed period XX/XX/XXXX, XXXX XXXX, XXXX. Now I have an escrow shortage that I will need to deposit additional funds in order to have my property tax paid I believe that Nation Star/Mr. Cooper committed a violation of the Real Estate Settlements Procedures Act as they are required to make timely payments if the borrower has maintained sufficient funds in their escrow account. I believe that they are participating in predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: AZ
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:
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please DELETE the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the items listed below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$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 2023-03-29
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2022 I cancelled my account and had the credit card company close my account. Now I am seeing that they are attempting to charge me a yearly fee of {$100.00} for that same account / credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX XXXX violated my hardship agreement. The agreement was for monthly payments in the amount of {$410.00}. 
In the last 2 months I had a total of {$1400.00} withdrawn from my checking account. ( {$410.00} XXXX + {$630.00} auto pay ). They are claiming that my auto pay was not cancelled in time however, they revoked my ability to cancel my auto pay. 
I requested to have the unapproved auto pay payment ( {$630.00} ) returned to me as my account is in good standing but they refused/rejected the request.

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 2020-09-29
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you 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 2022-08-18
Company: EQUIFAX, INC.
State: NY
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:
As you can see below with this Account XXXX XXXX XXXX XXXX is reporting incorrectly and theres numerous errors on XXXX XXXX and equifax stated in 15 U.S.C 1681A everything shall be 100 % correct which its not I demand this account to be removed from my credit report the credit bureaus are violating my rights and I will sue Equifax and XXXX XXXX. Im being discriminated and this needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-19
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I sent payment of {$370.00} on XXXX XXXX for an item. I never received item. XXXX could not help because I sent it PayPal. I put claim in with PayPal and they said the seller told them it was delivered. I have tried numerous times to talk to PayPal because I need info of where it was sent, when it was delivered so I can put in a claim with XXXX or XXXX. The seller has loses his account with XXXX and change his email. I believe it was never sent but somehow they got away with saying it was delivered even though when I checked tracking it haven cancelled. I want my money returned by seller or if it was delivered it was stolen and I cant find out anything to put on claim. 
Order number XXXX XXXX XXXX tracking XXXX. 
Its frustrating I can not reach a person on PayPal. I tried everything. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Seller was XXXX XXXX on XXXX. Closed his account. 
Ordered XXXX XXXX, XXXX sent to XXXX  XX/XX/XXXX and from there nothing. 
My email is XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}  XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-03
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report on XX/XX/2023, the account does not reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
When I investigated my updated credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}

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