BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've requested to have someone call me to talk about a possible settlement option. 
I've been paying on this loan for years/decades faithfully and came into some money that could possible pay off the loan. I received an email from their customer service department that they won't be able to make any kind of offer. 

I've heard that Navient ( Sallie Mae ) will only talk to borrowers if they're account is in a default status. I believe this is very backwards. I want to pay the majority but not the entire thing since they've been capitalizing on interest with me for years/decades. 

If someone could please help me get an offer settlement on this loan, I'd greatly appreciate it. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The company in question is Chase Card Services, XXXX XXXX XXXX, XXXX, DE. XXXX My credit card expired in XXXX. The replacement card was either not sent or was returned due to my private mailbox closing on account of the COVID-19 crisis. ( The Chase phone jockeys have given me conflicting information as to which it was. ) Because I was in isolation and not checking my mailbox, I only found out that the replacement card had not arrived in late XXXX. On XX/XX/XXXX, I called Chase to inform them of this, and was told that the replacement card would arrive within five business days. When the five business days had passed, on XX/XX/XXXX, the replacement card had not arrived. I called Chase to inform them of this. I was asked if I wanted a second replacement card sent by overnight mail, and assured it would arrive the next day. I agreed, on the assumption that it would be a second replacement cardnot a new account number. The next day, XX/XX/XXXX, the original replacement card, with the original account number, arrived. But when I called to activate it, I was told I could not do so because of my call the previous day, and that I had to wait for the second replacement card. 

The second replacement card only arrived four days later, XXXX XXXXand with a different account number. I refuse activate the new account. I have had the old account number since the early XXXX, and it is on file at countless places where I do business. Having to change it at every one of those will create endless chaos in my lifeand it is completely gratuitous : the original replacement card actually arrived BEFORE the new one, and has been in my possession since XX/XX/XXXX. 

Additionally, the notion that my call of XX/XX/XXXX alerting them that the first replacement card had not arrived meant that a new account had to be created is contradicted by the fact that I had PRECISELY THE SAME EXCHANGE ON XXXX XXXX the replacement card resulting from that call was with the original account number. 

My account was not deactivated with my informed consent. I demand that my original card number be reactivated immediately. As of today, XX/XX/XXXX, it has been in my possession for 10 days. I have been without a working credit card since XXXX. This is an absurd situation, and I am not accepting it. 

Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: DISCOVER BANK
State: WA
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:
On XX/XX/2023 I ordered items from XXXX XXXX 's online website in the amount of {$680.00}. The purchase was split into two charges...... one for {$580.00} and XXXX for {$100.00}. The company says the items were delivered on XX/XX/XXXX and the carrier was XXXX. I never received the order and contacted XXXX at the company who told me to file a claim with XXXX. I filed the claim that day and the claim number was XXXX. That got me nowhere so I persistently continued to contact XXXX XXXX until XXXX agreed to send out another shipment with SIGNATURE REQUIRED since I didn't want this to happen again. I was home the day that shipment was supposed to arrive ( XX/XX/2023 ), and again ... .no package. I did NOT sign for anything and I have cameras and nothing was delivered that day. 
I called XXXX XXXX again on XX/XX/XXXX and asked for a supervisor to call me. No one ever called me back. At that point I had no other recourse than to file a claim with Discover. Then on XX/XX/2023 XXXX from XXXX XXXX called me and left a very nasty voice mail. He accused me of trying to scam the company and said he fill fight the charge back and win. I've never heard a company speak to a customer that way and basically call them a liar. 
Discover resolved the dispute in my favor for the amount of {$100.00} on XX/XX/2023. However, they denied my claim for the one in the amount of {$580.00}. That makes no sense as all of the items were supposed to delivered the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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:
I did not provide any company reporting with consent to share my credit card ( ID, SSN, etc ) with another entity ( this credit reporting agency ) this is a violation of 15 U.S. Code 1681s-2. This credit reporting agency is negligently and inaccurately reporting and is not complying with 15 USC 1681.

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 2023-10-07
Company: Velocity Portfolio Group
State: NV
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:
reportting account that are not my accoutns, reporting Inquries that are not my inquried and alod report latepayments on my crefit report causing my credit to refect a negative report, it also has cause hardship i am unble to use my credit due to Identity theif i can not get approve to get a home its reflecting negative where i am unable to get employment i contacted each account that i disputed and after the credit bruals do they investagation they senda letter stated all accounts are verified which is inccorect i'm demanding that account listed be 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 2022-12-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am with Shellpoint Mortgage. My payment for the month of XX/XX/2022 has not posted to my account.I am with the HAF Home Owners Assistnace Fund through the State of Florida. I checked with my HAF department and said check was sent out XXXX XXXX and showing received XXXX XXXX. 
I just would like to get my payment posted to my account. It is now XXXX XXXX and no payment posted. Not sure what the hold up is everyone to get these posted.Please locate my payment and post please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX has a charge off on my credit report that was paid in full through " gap '' insurance. 
this account has been reporting delinquent to my credit sine XXXX  2018. 
capital representative confrimed to me over a recoreded line. that they did in fact receive all the documents and payouts to settle this account in 2018. i was not aware of this until recently. ive previously disputed this account with all three credit reporting agenices. XXXX, transunion and XXXX  reported this account as been certified to there agency. which i know NOT to be true. XXXX, transunion and XXXX  has not or ever contact me to validate the accuracy of this account. they never contacted me to verfiy this account. i was never asked or given my premission to have said account reported to my credit profile. there was never even proof that i was ever offically notified of this account being placed on my credit, late, charged off or the methed they was to certify that this account and or where they got the certification that his account was in deed my and 100 % accurate.

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 2022-12-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My sister, XXXX XXXX, purchased a car for XXXX and a finance of 19 % for 72 months, which equals XXXX. It has now been 10 years ( not 6 ) and she has paid XXXX and Regional Acceptance says she owes XXXX more, which will total XXXX for 2012 XXXX XXXX. 
They are violating MD Law 14-315 f ii, which states loaner can only charge 1.5 % of the monthly payment for late fees. 

She will sue them in court 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 2020-06-15
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, DPT ED/XXXX. Inquiries : 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.

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 2022-03-11
Company: SIMM Associates, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received the response to the claim I made against SIMM ASOCIATES and they indicate that the debt was paid to the university. So I don't understand why the collection is reporting it, if the payment was made at the university as they themselves indicate. This account should not be in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. at this point I feel as if I am being bullied! 

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

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 2019-02-06
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling a copy of my credit report I notice that this collection agency is reporting 3 accounts on my credit report on my credit report.

1. Act # XXXX 2. Act # XXXX 3. Act # XXXX I send them a letter disputing this claim and send it with tracking receipt XXXX XXXX XXXX XXXX XXXX XXXX. I requested that they send me any agreement that grants them the authority to collect. Or any proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401.  APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. I also asked that they send me copies of any agreement that bears my signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In which they have failed to send me these items and still reporting on my credit report. I am not at all refusing to pay I only send as a notice of dispute to the claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-07-11
Company: CL Holdings LLC
State: PA
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:
After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX. When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact Jefferson Capital System, LLc. I did. I sent Jefferson Capital Systems a Debt Validation Letter.

I was told by Jefferson Capital System that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX  has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX and 1 more XXXX Inquired XXXX XX/XX/XXXX and 46 more XXXX Inquired on XX/XX/XXXX and 20 more XXXX XXXX XXXX on XX/XX/XXXX and 31 more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, DPT ED/XXXX. Inquiries : 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 2023-10-07
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my bill every month on time!! And I get a late fee every month!! I call every time to get it taken off and get no where!! Ive paid late fees just to pay my account anyway!! The people I have spoken to never get anything accomplished with my complaint!! I closed the account due to this reason and they said they cant take off the final late fee because account is closed!! Its closed because this company is a scam!!!! No other credit card doesnt receive an online payment late but this scam Caesars rewards credit card!!! This is a scam company and I will continue to get a late fee even though my account was paid in full with a previous late fee!!! I cant say it enough but this company should be sued for scamming people who pay their bill!!! I just want this account XXXX balance!!!!!!!!!!! Its already closed and Im not paying for a late fee that I was not late paying

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had received some late ( XXXX ) during XXXX ( XXXX lockdown in Texas ) due to a loss of my job. I called each time to advise them that a payment would be made late as I was doing everything in my power to make the payments on time. Once I had a new job I completely paid the account up and was making all future payments in advance. However due to the fact they filed the payments late on my credit report my credit has taken a very large hit due to the payment history during a nationwide pandemic. I have reached out to them multiple times ( by phone, through the app, emails and written letter ) across the span of XXXX years. They have failed to make any contact with me or provide a response to the request to remove the late payments with the proof provided that they were advised in advance of the issue and then paid in full with advance payments. I have continued to make payments in advance for XXXX years and have completed XXXX personal loans with the same company all with on-time or advanced payments.

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 2022-07-21
Company: EQUIFAX, INC.
State: VA
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:
XXXX accordance with Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. States : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation