BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX account. XXXX  XXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.

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 2023-07-07
Company: Upgrade, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened rewards checking and premier savings accounts on XX/XX/23. Upon receiving my debit card I also ordered checks, initiated transfer of funds and started updating autopay and direct deposit for my new account. On XX/XX/23 I discovered I couldn't add my Upgrade Visa Debit card to my XXXX XXXX, nor could I use the card for purchases on the XXXX XXXX store. I reached out to Upgrade customer support who denied seeing an issue and locked/unlocked my debit card and instructed me to keep trying for a few days and reach out to apple support if the issue wasn't resolved. I reached out to XXXX XXXX on the same day and discovered via diagnostic logs that my Upgrade Visa is ineligible for use with XXXX XXXX - contrary to the below statement on the Rewards checking FAQ - " How do I access my money '' https : //www.upgrade.com/rewards-checking-plus/ " You can use your Rewards Checking Plus Upgrade VISA Debit Card wherever Visa is accepted. Its also easy to add your debit card to XXXX XXXX or XXXX XXXX so you can take advantage of contactless technology and pay with your device at participating merchants. '' I placed another call to Upgrade customer service on XX/XX/23 and upon pressing for escalation was notified this is a common issue, there is no resolution and nothing the team can do to assist and that my only option was to " keep trying and see if it eventually works ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/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 2017-03-14
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX we began the process of refinancing my Parent Plus loan from Navient Education Loans to a private loan with Navient. On XX/XX/XXXX, I received a notice that my first payment on my private loan was due on XX/XX/XXXX. I went online to set up automatic payments. I was unable to access the online account My wife mailed a check on XX/XX/XXXX ( check # XXXX XXXX to make sure payment was timely received*. In early XX/XX/XXXX my wife and I also called, and the loan servicer could not find my loan. 
* The check was cashed by Navient on XX/XX/XXXX. When we called to ask about the payment, Navient told us that they could not find it. 
During the following 8 weeks, we called and spoke with numerous individuals on over half a dozen occasions in both the private loan and education loan departments at Navient. 
Several weeks ago, a representative determined that my social security number had been inaccurately transposed within their system when the loan was transferred. They told us that it would take several weeks for it to get resolved, and that there was nothing else we could do, but wait. At that time, we reiterated that because this problem was not caused by us, that we should not be penalized in any way. 
Yesterday, XX/XX/XXXX, I received an e-mail indicating that my loan required my attention. We called, and were told that my loan was in forbearance due to missed payments. 
On XX/XX/XXXX I received notice that my credit score has gone down over XXXX points due to delinquency. 
We have documentation for the majority of conversations, along with a fax that we sent at Navient 's request concerning the matter. 

We have not failed in our efforts to pay this loan. In fact, if it were not for our efforts to understand what was going on with our loan, there is no way of knowing what the status of the loan would be today. Navient has shown gross negligence in handling our loan, and now my credit has been adversly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I found XXXX Major Errors on my Experian Credit report which are NOT on my XXXX OR XXXX report in regards the XXXX account beginning with XXXX. They are as follows : Account type being Mortgage Banking the terms were an Installment not Revolving. Experian has this listed as " revolving '', It was NOT and : The Entry for the High payment Balance is listed as " {$0.00} '' this is also incorrect. As an installment mortgage the payment amount was a fixed principle plus variable interest rate with taxes and insurance rolled into the payment amount via escrow. As such it could not have a value of zero ( 0.00 ) dollars. Therefore this tradeline is in error and negatively affecting my credit score unfairly in its inaccuracy.

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: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In the end of XXXX I received an email informing me that a new capital one credit card is on its way. I have never had any accounts with capital one. I reached out to the company on two different occasions ( day after the email and a week later ) to close the account and yet I still got an email a week ago with a monthly account report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Please delete these hard inquiries 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 ( Finance ) - XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX XXXX ( Miscellaneous ) - XXXX XXXX XXXX XXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX  XXXX ( Hotel and travel ) - XX/XX/2022 XXXX XXXX ( Finance ) - XXXX XXXX XXXX  ( Bank ) -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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i sent in a identity theft affidavid and a police report to inform Transunion, XXXX, and XXXX that i have been a victim of identity theft and several accounts showing on my reports are not mine after thirty days their response was we verified these accounts as being yours but when i asked for proof they said we dont have to give you proof i asked why not if you are saying these accounts are mine i also said anyone can send you a letter saying these accounts are mine wheres the proof show me something with my signature or a copy of my drivers license, i have XXXX bankruptcy 's showing on my credit reports whne i disputed with transunion they did remove them but XXXX, and XXXX both keep saying we verified these with the courts which i a lie i called the federal bankruptcy court they said they do not verify any information for credit reprting agencies when i informed XXXX and XXXX of this their response well its been verfied we not removing them, these are the accounts showing on my report that are not mine i have disputed tiwce and sent in identity theft information. 
XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

any assistance would be greatly appreciated thank 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 non-monetary relief
Consumer complaint received 2017-04-02
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being contacted concerning a debt that is not mines. I have written them several letters asking for Validation of the debt and have yet to get any type of response except we have verified it with our client. I know they have received the debt validation request because I sent it certified and it was sign for on each communication I have had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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/2022 my Walmart capital one was declined for {$200.00}, so I used my bank card. However, capital one still charged my card for XXXX. I contacted capital one and they told me to send in my bank statement and the teller from the bank even printed out a paper that showed the details of the transaction. I was then credited for XXXX. Now, capital one has added back on the XXXX, saying I was credited twice and owe that money. I was never able to use that amount because my credit limit was {$300.00}. I did call capital one again and they told me I used that XXXX and owe that amount. I did not use that and my transactions do not add up to that amount. My credit limit has been. {$300.00} and I have never been able to go over that amount with purchases. I hope you can help. Capital one does not listen or care about their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  account number 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 XXXXXXXX ) 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 Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 explanation
Consumer complaint received 2023-03-24
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2023 I talked with a representative of Citi Credit card. Even though they caused this situation she was very resistant to making things correct on the statements. " I'm on your side, here to help '' she said. She had not even looked at the account, she was responding to my claim from the Consumer Protection Bureau. Still they are not admitting to their poor performance by placing the payments in the wrong account! This was plainly denoted on the payment/check information area, she continued to blame me. She had to look at something and call me back, not having reviewed the situation beforehand. She said " but but they put it into another account of yours and you cashed the refund check ''. Yes that account XXXX is frozen at this time with a XXXX balance and for goodness sake don't you understand it was not the correct account-so it looks as if I didn't make payments into XXXX. I emailed and called right away after recieving that check from them but no one would help me. '' However she finally did remove some of the late fee 's after a lot of back and forth. And there would not be any finance fee 's either if they had processed the payments correctly. As the way they split the payment on the items we purchased, it delayed payment to both. Their software is charging me late fees after I make an electronic payment. This is a small account, they wipe away fraud of huge amounts daily and I was getting ignored, the run around, and escalating late fee 's. Where are the banking regulators and the credit card oversight? I don't recommend using Best Buy Citi card at all. Customer Service there is non exisistant and ONLY happened when I registered my claim with CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My XXXX XXXX loan, which Navient now owns, is reporting different data across the major credit bureaus. XXXX says on XXXX of XXXX my account went to 120 days late on my FICO credit report. It was reported as " OK '' XXXX of XXXX. XXXX also shows that 120 days late remark. On XXXX of XXXX XXXX still shows 120 days late but XXXX bumps up to 150 days late. This occurs again on XXXX XXXX when XXXX stays at 120 days late but XXXX increments to 180 days late. My issue with this account is that the data is being reported differently to XXXX different credit bureaus, so is this not in violation of FCRA that requires 'if ' data is going to be submitted that it has to be accurate? Another question I have, how can the account go from payment ok on XXXX of XXXX to 120 days late by the next month? It 's not like XXXX XXXX did not report the data, as is the case for earlier in the year, but for XXXX it clearly says the payment status was OK. If it really was 90 days late, that means the date of my first delinquency would be further in the past. That would greatly help me because if we date this back to the first 30 day late, I would have this fall off my credit report three months earlier than it currently would. All of this lead me to dispute with Navient who now owns these accounts. I have tried several times to inform them that the payment information is wrong and I asked them to please remove it if they can not make it accurate. They reply that it is accurate and they refuse to change it. I 'm hoping that you can help me not only get the payment data to match across all XXXX bureaus but I am also hopeful that they can provide some proof to verify which of the XXXX is genuinely correct. I do n't like the idea of Navient simply changing the data to match one of the other credit bureaus without proving what in fact was incorrectly reported. With all of that said, I would be very grateful if Navient agreed that mistakes were made and that they just discontinued reporting the payment history across XXXX, XXXX and XXXX. These loans defaulted over 4 1/2 years ago with the delinquency happening around 5 1/2 years ago. Would it be so bad if after all of this time Navient extended some grace to me after they themselves made mistakes on the data they reported?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, when I graduated in XXXX 1990 my Student Loan balance leaving was approx. {$22000.00}. It was a combination of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Perkins XXXX, and XXXX : XXXX Stafford loans. I consolidated these loans through XXXX XXXX. Today, 27 years later, my current balance is {$35000.00}. My loan is currently held by American Education Services and is in good standing. I had issues finding a job and making payments when I graduated. Over the years I have put off payments with forbearance and negotiated with lenders as my Student Loan was bought and sold. At one point in time I made a payment of {$10000.00} to get it back in good standing. I always kept my loans from being employer wage garnished. I am seeking advice in investigating how my Student Loan got to where it is today. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : I have mailed several disputes and no changes have been made, to experian, XXXX, and XXXX regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my Experian I have mailed several disputes since XX/XX/2014 and no changes made for XXXX XXXX XXXX and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.

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 2017-03-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company called my phone multiple times within a short amount of time. They only left a voicemail on the first call. I have asked them repeatedly to email me during business hours because I 'm not allowed to make personal calls at work. I had already informed them that I would be making a payment today. This is not the first time this has happened either. The company is One Main Financial.

Company response to consumer: Closed with non-monetary relief