BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX I noticed a spike on my credit score and I did an inquiry. On XX/XX/2021, I did a periodic credit report check and found that my student loan account was listed as closed. I'm trying to find out what happened, who reported it as closed to cause the score spike. When I called Navient, they said to me, the account was not closed. I understand that. But what I'm trying to find out, what did Navient or the credit bureau do that caused the credit score spike? Today, when I called XXXX to find out what happened back in XXXX, they couldn't answer my question. Because my student loans were initially XXXX XXXX, I just want to make sure my student loan wasn't one of those account paid off and it's not being reported properly or I wasn't properly informed about the debt being paid off. I wasn't and haven't been satisfised with Navient 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: VA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX 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 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 2020-03-13
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Requested a loan payoff for my loan and I was told it would be a 7 business day turn time and then it would be mailed? I need my payoff right away and why they can not provide my loan payoff via fax or email in the year 2020 is ridiculous, they are just holding my loan XXXX and this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-24
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Facts, under the original PSLF program I have worked for a nonprofit for XXXX XXXX XXXX of them full-time made XXXX payments and shouldve been discharged already. However, I consolidated under the Biden terms that we were all supposed to adhere to last year, if not earlier, and I still have not had my debt discharged. Again under normal PSLF terms I would have already. The company asked that I re-verify my employment, which correct me if Im wrong I thought that was a simple phone call of my employer however I did as they asked and re-verified the employment on a document. They then said its 45 days from the date of submission of requested documentation that they would rebalance my payments to reflect the XXXX and that should be enough to complete discharge. However, this last time I called the person that I talked to said oh, it might take an additional 1 or 2 years before we can discharge any debt and you will have to pay until this happens. my problem with the statement is I already qualified for discharge based under the original requirements of a PSLF program and should not have to pay in an additional two years because they are behind on processing if I met the requirements? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} JXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}

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 2017-05-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
This company has my address in correct I have called ma d provided the correct information my address is 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 non-monetary relief
Consumer complaint received 2017-05-04
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: Public record information inaccurate

Complaint:
So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  XXXX ? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????

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 2020-03-13
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the XX/XX/2020 I received the third letter from Shellpoint Mortgage Servicing saying that I was behind in mortgage payments and that the credit bureaus have been informed and foreclosure is pending. When I contact Shellpoint Mortgage, they tell me that my account is in good standing and that no actions of any type are pending. My concern is again I have received multiple letters from them and that they are harming my credit standing by reporting a false account standing to the credit bureaus. 

In my opinion this is the same as predatory lending, and should be dealt with in the strictest manner. Our lives revolve around having excellent credit and I have worked hard my entire life to maintain this level of credit. This company thinks nothing of throwing those years away and they have no fear of paying a price for such behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment of {$320.00} was sent on XX/XX/2022 through USPS and was traveling from XXXX, Texas to XXXX, Texas. Company did not process payment till XX/XX/2022 which incurred a late fee assessed on XX/XX/2022. Enough time was given to send payment through USPS going XXXX miles within a state. The company is holding payments and processing them after they are recieved and causing late fees to be assessed. I have asked the company for proof of when they recieved the payment and they have not replied with any proof of the date payment was recieved. I have requested the late fee to be removed and they have denied the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports transunion, XXXX, and XXXX my credit score dropped from mid XXXX 's to low XXXX 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.

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 2023-12-18
Company: EQUIFAX, INC.
State: CA
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:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-22
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I filed complaint number XXXX on XX/XX/2018. I am posting the details from that complaint below. On XX/XX/2018 the company responded indicating that they would honor their original offer. They indicated that I should go to www.balancetransfer.citicards.com and complete the offer there. After several ties I am still unable to take advantage of the promotional balance transfer that Citi originally offered me I have reached out several times to the representative in the executive response team listed in the letter I received to no avail. 

Here are the details of the original complaint : I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XXXX  and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer.

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 2020-03-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, we tried to place a credit Freeze online with all 3 credit bureaus, and were able to do so easily with XXXX  and XXXX. Equifax online said the information we provided online did not match and to call their XXXX number, although this was the same exact information we provided to the other two companies. We then called the number, they verified our information and told us we had to send in two different forms of ID via fax or mail and then 5 - 7 business days later they would respond. We explained the urgency in freezing our credit due to personal information already being compromised and that time was of the essence. They verified all of the information we provided and said that they still could not help us. I explained that there is something wrong with their system as we verified all of the same information as we did with them online, and the online system said it did not match. They advised there was nothing they could do to help which placed an unnecessary burden on us, and jeopardized criminals using the information while their flawed system/technical difficulties was requiring us to provide additional information and then wait 5 - 7 business days. This is unacceptable service and I would like to file a formal complaint. Thank you very much for your assistance in advance.

Company response to consumer: Closed with explanation