BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Back in XX/XX/XXXX I was informed that my payments for my loan would increase from $ 25 month to {$140.00} a month because I graduated from college. I understood because my deferment process was over, I knew with my income that I could not afford to pay {$140.00}, so I asked for possible repayment options but because my co-signer makes more than enough money to pay the loan I did not qualify for any lower repayment options. So I then asked to do a co-signer release and my co-signer and i was told that we had to make 6 months of on time payments and my co-signer could be released and this was in XX/XX/XXXX. So we paid 6 month on time payments as needed and when I called back to do the co-signer release in it was a different story, I was told that I could not remove her because she log in to the account and help pay the payments of the XXXX which I myself could not afford which was already explained back in XXXX when they ran my Financial report. In XXXX when I asked about the co-signer release they said nothing about how the payments had to be paid they just stated that I needed 6 months of on time payments. So now I am struggle to pay the XXXX and I get a statement explaining that my payment has increased yet again and I am still unable to get any help paying off this loan. Then I call in XX/XX/XXXX and once again ask for help with repaying this loan and the rep says that if I sign up for automatic debits then I can save 0.025 % on my loan which will bring it down to the XXXX but if the market interest increase then my balance will increase as well and they will take more out of my account. Which I do not understand because I would only be authorizing Navient to take out XXXX not any more than that. Also on this call I asked if I was set up with a variable interest loan why were my interset payments only XXXX from XXXX because if my interest was supposed to be a variable interest it should have always been one. I am a single mother and I have {$70000.00} in student loans not including this one and as well as other monthly bills, I have been paying XXXX XXXX Navient for XXXX almost XXXX years and I still havent reached my principal amount and if the interest steady increases how will I ever reach it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This was a request to open a dispute for a transaction with PayPal-RalphLauren made XXXX XX/XX/2023 XXXX the amount of {$990.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-05-08
Company: EQUIFAX, INC.
State: GA
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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 15 U.S.C. 1681 section 602 A, states I have rights to privacy.

15 U.S.C. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written consent.

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, 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Paypal Holdings, Inc
State: CA
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:
I have had my PayPal account for a few years, when I started doing buisness I switched to the PayPal business account, for all my purchases, and as a place to accept payments for my online store. 
The products I was selling in the beginning were $ XXXX- {$100.00}. 

Recently I scaled my business into a wholesale business and Im now getting $ XXXX- $ XXXX orders. I guess that raised suspicion, with no reason they froze my funds {$800.00} of MY MONEY FROM MY BUSINESS THAT I received, I hadnt shipped the orders out but it had been about 3 days, ( not a long time at all ). 

I usually take 1-2 weeks to ship. 

They wouldnt tell me why they froze the funds they just said we dont think youll be a good match for us any question I asked they said due to security reasons we can not tell you why were closing your account. 

In other words, youre going to have to take your business elsewhere. 

It has ruined my entire business. I was relying on that money for my future customers. AND THAT PLATFORM! 

Theyre holding my money for SIX months! With no explanation as to why! 

XXXX!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: ACIMA CREDIT, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : ACIMA XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XXXX  XXXX XXXX : XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with Transunion, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromTransunion stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.

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 2023-01-24
Company: Synovus Bank
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
First Progress did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: LA
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 have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX XXXX XXXX i believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}

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 2023-01-12
Company: EQUIFAX, INC.
State: SC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Account status incorrect

Complaint:
On XX/XX/XXXX @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on XXXX dropped 41 pts on XX/XX/XXXX for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of Equifax and XXXX, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) XXXX score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the XXXX report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for XXXX monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my Equifax report, but after the experience with XXXX, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at XXXX and " Good '' at Equifax. Heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX  made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-02-25
Company: Radius Global Solutions LLC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I canceled my services with XXXX XXXX because of move. All equipment was returned and no bill or existing balance was due. I was never billed for any existing balance and found out through XXXX that my XXXX XXXX  balance is in collectIons. 
Upon seeing this on my credit report I immediately contacted global radious solutions and paid the balance in full. I was never given a bill or a chance to bring my account to paid. I should have been given at least 30 days to pay my balance. No more than 90 days had passed since I terminated my services with XXXX. I had excellent credit up until this derogatory remark became a part of my credit report. I should not be punished with this negative impact on my credit score. Please let me know what I need to do to have this removed.

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 2023-09-15
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

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 2022-05-21
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : LVNV FUNDING LLC Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To whom it may concern, I received in the mail a new debit card to CapitalOne Bank for a XXXXchecking account. 
I did not open a new checking account with CapitalOne Bank. 
I contacted the activate card division first using the phone # provided on the letter, alerting them that I did not open a checking account. They informed me that I was a victim of identity theft and I should contact all 3 of the credit bureaus and alert them and take action to protect my identity. 
I then contacted CapitalOne Bank online dept. and tried to find out any info on this checking account, the only thing I found out was on XX/XX/2022 it was opened and as of today XX/XX/2022 it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Account status incorrect

Complaint:
The car was total lost in a car accident in XX/XX/2016. The insurance should have covered all loses. The company is still reporting that the account is open and payments are late/missing for the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: AMERICAN EXPRESS COMPANY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via US mail on or about XX/XX/ to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX XXXX XXXXXXXX made XXXX XX/XX/2022 in the amount of {$630.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2022-05-21
Company: Exeter Finance Corp.
State: MO
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:
In accordance with the fair credit Reporting act XXXX XXXX, Exeter Finance, XXXX have violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.

270

Company response to consumer: Closed with explanation