BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED. 

This is a violation of my rights and is subject to {$1000.00} in damages or more. 
Please send me a copy of my consumer report upon deletion of this inaccurate account. 
I will CC the CFPB and the FTC, my Local Police department. 

Sincerely 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 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Applied for XXXX XXXX XXXX. Application rejected they say due to Equifax report. Checked and my Score Very Good XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NV
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 review consumer report that improper use of my credit was used and shows inaccurate information on my report please show proof or delete or paid follow accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX I also report fraudulent activity to both companies nothing has been done still on my report damaging my score and according to comsumer reporting agency make it vital to report maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I turned all information the credit card company has requested to resolve the dispute for 2 {$100.00} charges. This company still refuses to take the charges off my card. I even showed them another recept where the charge was placed on a different credit card the same day not 1 minute later because the vendor could not get their receipt to show the amount on it. They are refusing to refund my money. Then vendor is XXXX and does not speak English and does not know how to refund money. I only had a pedicure and a manicure done for 1 person. It does not cost 3 {$100.00} dollar charges at the same business on 2 charge cards in the same day.

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 2023-03-17
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attended two Universities. XXXX University where I obtained XXXX XXXX degrees in XXXX  and XXXX University where I obtained a XXXX XXXX in XXXX. 

I do not recall the specific times but I received numerous phone calls and occasional emails to consolidate or " refinance '' my loans. During these periods of time that I was called constantly and asked to sign new loan documents, I was told that because my loans were being consolidated and or refinanced, my payments were suspended. I have learned that I have multiple lates payments during this off and on process of loan consolidation/refinancing. 

I spoke with Nelnet concerning this but to no avail. I do not know how to find out who was calling and emailing me about the consolidation, refinance because it was a few years ago and I do not have that information. I did was I was told and trusted that what I was being told was accurate and never was I told a payment was due or that I would sustain a late payment or derogatory credit rating during this process. I do not dispute the balance only the late payments. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NJ
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, 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:
This is not a duplicate complaint and this complaint due to the ne evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Equifax Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from Equifax but it turns out being refused or ignored. They completely violated the FCRA XXXX. Obviously, they really violated the law and my rights and refused to correct their blunder. Emotionally I was completely down and felt hopeless, I couldn't believe to my own eyes how Equifax can disobey the law. 
So, XX/XX/2022, I sent to the courthouse a letter asking do the report bankruptcy to the credit bureaus and I got a letter back from the court on XX/XX/2022 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 
According to : XXXX XXXX. XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
According to : XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Tried to make several payments to my  XXXX /Comenity Bank credit card and every time I make a payment it is reverted back to my account. Also,  Comentiy bank continuously calls and harrasses me about a bill that should not exist and every time I get a " manager '' everything is back to being ok. These people h ave asked for my representing lawyer to give them a call. When asked why they want an attorney to call, they state because they want to know if you are going through bankruptcy. I want my complete account gone from Comenity for these comments and harassment or I have an attorney call with a lawsuit!! Also, on my credit report it shows perfect payments bes ides 3 pay ments and then perfect payments again, yet I have never been late on my payment, it is a failure of them actually accepting the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hell o All, Tha nk you in advance for your time and consideration in assisting in this issue. Abou t two years ago, my husband and I went to  Macys s tore in   XXXX   XXXX    Virginia to shop for  few items and after choosing the items we needed, we then went to the cashier to pay for the items and it was there that she ( the cashier ) said we could receive additional discount if my husband is added on my account which the cashier did and confirmed with us after completing the proce ss. One day  my husband went to  Macys i n  XXXX  Maryland and purchase a dress pant ( price range {$50.00} - {$70.0 0} ) for  me using my account information. But later found out after receiving a collection b ill ( of {$800.00} plus ) on behalf of Macys, an d contacting customer services, that my husband was never added on my account but rather another account was created without my knowledge and was never brought to my attention even when I always called to make a payment on my card no one in that department ever brought it up. The most frustrating part of this is that upon creating this account, one must expect to received separate bill under the account, a letter of notification of the new account created along wit h a Macys card but none was issued rather they ( Macys ) continues to accumulate charges over time which seems to me Macys is   more interested in making money than doing the right thing in that process. The most frustrating of all this is the lack of accountabil ity for error on Macys as  such that it has affected both of our credit. Does such practice not consider deceptive and shouldnt Macys accept responsibility for an error on their side? Lastly, every Macys customer service representative I had spoken with on this issue refused to provide me the account number in dispute this to me is unacceptable in a manner that I 'm being held responsible for something I have no knowledge of or aware of it existence.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: AL
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 asked the credit bureaus to do a thorough investigation on my Experian, XXXX XXXX and XXXX credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-13
Company: EQUIFAX, INC.
State: KY
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or remove the following inaccurate items in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy   XXXX   XXXX   neglects to send my monthly bill on time. Some months it will send me my month bill on time other months it wo n't send it  at all. After the 3rd time and my 3rd late fee and interest fees  charged to my account I have closed my Best Buy  XXXX  seeing this pattern was happening more frequently. It clearly is a scam for Best Buy to rip consumers off by not sending their monthly bill to gain extra fees that are not legit.

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 2021-08-05
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This involves a mortgage loan that I applied to Sun West Mortgage Company for and received an initial loan estimate for on XX/XX/2021. I decided to pursue the mortgage through Sun West and did end up going through with the purchase and financing with Sun West. My issue is that, as we approached the closing date, I received a closing disclosure ( dated XX/XX/2021 ) that reflected quite a big difference in costs than the initial loan estimate. After looking into it further, it seems that pretty much all of the title costs, including lenders title insurance, were omitted from the initial loan estimate. This resulted in over {$1900.00} in title fees that werent anticipated. The initial estimate for monthly mortgage insurance premium also doubled. The total loan costs increased by 107 %. There was some creative arranging of the closing disclosure to make it look like nearly the same cash to close number, but that didnt take into account the {$3400.00} cash deposit I had already placed in escrow. 

I confronted the lender on these discrepancies and let them know that I had looked at the regulations and was aware that there were not supposed to be these kinds of increases in-between disclosures. I made a fairly big stink about it, which resulted in an updated closing disclosure ( claiming that the wrong version was sent the first time - I also didnt think those disclosures were supposed to be updated like that once they were sent ). This disclosure included another {$2400.00} in lender credits which looked like an attempt to compensate for the additional fees as compared to the original loan estimate, and miraculously got me back to my initial cash at closing amount. The doubled monthly mortgage insurance premium was not corrected, however. 
When you compare the final loan terms to the initial estimate, the interest rate was the same 3.25 %, but the monthly payment went from {$1600.00} to {$1900.00} ( a $ XXXX difference note that the monthly escrow payment was excluded from the initial monthly payment estimate but included in the final one ), and the APR increased from 3.486 % to 3.701 % ( an increase of 0.215 % ). 

When I was initially shopping for a mortgage I thought a 3.486 % APR was slightly high, but still within the range of comparables and my realtor recommended this particular lender, so I went with them. If they had shown me a 3.7 % APR I never would have pursued this mortgage ( there were some lenders advertising as low as the 3.25 % range at that time ). I ended up going through with the loan from Sun West, since it was either that or scuttle my plans to buy the house, at that point. I think their lending practices were unethical, though, and feel like I am forced to pay more than I originally agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Cashnetusa.com sent a threatening demand letter related to a payday loan from 10 years ago. The letter is from XXXX XXXX XXXX. The letter says that they are threatening criminal fraud action against me in addition to civil claims. It uses a fake " filed '' stamp on the letter. It also threatens to subpoena relatives. The group has also called the personal home phone number of my boss in the past even though I never provided my boss as a reference ( and they left threatening and embarrassing voicemails with my personal information in it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JPMCB Card is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

JPMCB Card sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract legally binding me to this debt. 

Furthermore, isn't JPMCB Card the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is JPMCB Card able to validate this account? 

I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been charged a interest rate of 26.49 and a protected interest rate of 23.40 over XXXX dollars a month how can this be legal no other credit card I have does this I even pay more each month and it will never be paid off this is ridiculous I hope you can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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