BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I been Permanently XXXX since XXXX, and i been trying to get these loans TOTALLY PERMANENTLY FORGIVEN since XX/XX/XXXX. 

I am XXXX XXXX, i am Permanently XXXX and the company that i been dealing with, keep saying that i have to pay {$240.00} a month, which i can not afford. I am on XXXX, and i am living on a very tight and low income. 

A few years ago i started paying on these loans at {$140.00} a month. Now they want me to pay {$240.00} a month, inwhich i can not afford. 

I sent paperwork to have these loans Totally Permanently dismissed a few times, they keep say thzt they never have received it. 

I just printed off the forms AGAIN. And i will be sending the paperwork certified mail, to make sure they get them. 

I talked on the phone and on onlins to them and they are not helping me at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TX
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX XXXX XXXX XXXXXXXX and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX XXXX XXXX XXXXXXXX ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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.

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 2021-10-11
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently a XXXX XXXX  customer and have been for several years with automatic payment on all activities. I have had nearly perfect credit for at least a decade. Recently on XX/XX/21 when trying to refinance my mortgage, I was notified by my broker that my credit score had dropped over 100 points. I learned that the cause of this was a {$120.00} internet bill from XXXX XXXX ( XXXX ). As a result I was unable to be qualified for a mortgage that would have saved me thousands of dollars each month for the next 30 years. To this day I have never received any notice of a debt owed either by postal mail, phone or email. That day, I immediately contacted XXXX and Amsher collection services to resolve the issue. The only information I was able to get from these companies was that the bill was from unreturned internet equipment. Both companies have denied requests for a credit mark deletion letter despite their error, despite XXXX receipt and proof of equipment rental return ( XXXX claims the debt is from unreturned equipment ). They have made it nearly impossible to resolve the issue as I have given them proof but the credit report marks are not being reversed. I immediately paid the fee out of desperation even though I am not at fault. Both companies have still refused deletion letters. I have been a loyal paying customer to XXXX for several years and yet this company couldnt appropriately notify me of a simple debt, despite having all of my contact information. This behavior in a large company is troubling to me as it is directly responsible for a negative effect on my finances and many other consumers over the long term. What is more troubling is that this behavior occurs regularly to other consumers and there is little recourse against XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Morning of XXXX Received an email from Amex that my account was cancelled. 

We are writing to inform you that, after a recent review, your American Express account ( s ) listed above have been cancelled.

Heres what that means No further charges will be approved, so please ensure any Additional Card Members are aware of this change. If you have any recurring charges on these accounts such as telephone or wireless charges, please contact that company immediately to ensure these bills do not go unpaid. You should also destroy any Card ( s ) you may have for the account ( s ). '' For more information, I need to log in and check the message center.

When I do, I get a message is " unavailable '' note copied below- When I called numerous times - I've been placed on hold without an answer for over minutes -- given the option of a call back that did not happen. 

" This message is unavailable. 
Because this account has been closed, we're unable to load some account information. Please check to see if you also received a mailed copy of this message. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, 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 2022-04-29
Company: ALLY FINANCIAL INC.
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:
On XXXX XXXX, 2022, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XXXX XXXX, 2022, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by XXXX points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.

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 2023-08-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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. 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 2019-07-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I noticed that I was getting charged finance charges for debt protection plan ( charges you a % of your balance each month in case you become unemployed ) on my Best Buy Visa through CitiBank. I tried to reach out to them via secure message because I never agreed to this service. Their secure message system, unfortunately, does not allow the use of any punctuation or special characters. Needless to say, I gave up trying to fix my message when I went through 1 by 1 to try and figure out what character wasn't allowed. I forgot about it, as I paid the card off quickly. A year later on another 0 % interest purchase, I noticed the same charges and when I called to say something, Best Buy had no way of removing that or notifying Citi Bank because they were closed on Saturday & I had to call back. I froze my account and sent them a secure message revoking authorization for any further charges and to opt-out of their debt protection program. I only hope they could understand it without being able to use any punctuation. I did request a refund of all charges. I will not call them again to try and have debt protection removed. They will not hold people hostage to a service they did not agree to by not allowing adequate communication.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
these accounts 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 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

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

15 U.S.C 1681i-5- reinvestigate

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a XXXX 's Card that is managed by Capital One. I do not use the card frequently and have signed up for alerts when I have a balance and as a due date approaches. I did not realize that I had a balance on my card and it was due on XX/XX/XXXX. 

I received a call on Saturday, XX/XX/XXXX from Capital One at XXXX pm. I was unable to take the call. 
I received a call on Sunday, XX/XX/XXXX from Capital One at XXXX XXXX. I was unable to take the call, however I did listen to the voicemail on Monday morning. After listening to the voicemail, I concluded that I must have overlooked a balance on my XXXX 's card and immediately logged onto the XXXX XXXX XXXX and paid the balance of the card in full. I also contacted Capital One and indicated that the card had been paid through the website. 

One Tuesday, I received a call at XXXX and again I indicated that I had paid the bill and to not call me again. I received another collection call at XXXX at which time I indicated that I am being harassed and the person on the phone agreed. Subsequent to that phone call I cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is the second time that I received a notice from this Attorneys office claiming that I have an outstanding debt in the City of XXXX, State of Texas. The letterhead is from Linebarger Goggan Blair & Sampson, LLP Attorneys at Law. 
Their most recent communication states WARNING and that a warrant for your arrest may have been issued by the court. IF a warrant has been issued, you may be arrested at any time by any peace officer. This type of warning is threatening, scare tactic to attempt to collect a debt is against the law and a violation of the FDCPA. To add this is not owed by me to begin with. I dont have a TX drivers license as the notice states. I attempted to contact the number on their fraudulent and illegal notice and no one answers. Also I checked the XXXX  website and they have over XXXX complaints against them. Huge mistake of this was done in error.

Company response to consumer: Closed with explanation