BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been contacted several times by phone by a Mr. XXXX at Sallie Mae. I have sent two letters in the past asking Sallie Mae to cease calling me and to contact me only through mail. Sallie Mae only wants to talk to me about my " options '' through the phone. They continue to call me and my mother throughout the day while I am at work. I want to have my options written out on paper where I can see what my options are, and I can respond by letter. I am making payments, albeit the payments are not the {$5000.00} dollars they would like from me monthly ( as I can not afford this amount, and I do not even make half this amount monthly ). I have spoken to their customer service agents on many occasions, of which I've detailed several of those conversations on CFPB, and they do not offer any services that will assist a XXXX working class American, such as myself. The lowest they could ever lower my payment was just over {$1000.00} per month. I can not afford that payment, and I do not have relatives or friends to assist me in that payment. Given that this is my loan, and not a friend or relative 's loan, they do not have to. Additionally, we live within similar financial classes, and they couldn't help me even if they wanted to. 

What would help rectify this situation? For Sallie Mae to cease calling and to send all their correspondence by email with details of all my options written out. I would also like an option to respond by letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I myself XXXX XXXX XXXX made a payment at 1st Franklin Financial for {$340.00} cash or debit card with XXXX XXXX  XXXX in XXXX XXXX or with a XXXX XXXX card. A receipt was given to me, with a confirmation # of {$340.00} @ XXXX XXXX by XXXX XXXX or the lady that sits in the XXXX middle of XXXX desks. The payment was not processed by either payment method, cash was needed he subject, I am accused of faulty XXXX payment which has my account behind til present dat, making double payments to become current. This tactic makes me not want to be involved with this XXXX XXXX at this time. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX of 2023 I was approved for capital one business credit through promotional products. Capital one unlawful freezes my account. Under federal law that's illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
All year charge much money for all credit cards

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 2023-06-19
Company: EQUIFAX, INC.
State: NV
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:
For XXXX XXXX XXXX I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 ( b ) ( 1 ) I didn't give nobody written permission to furnish these accounts to your credit profile.

I have the document attach with the list of accounts I have already disputed these accounts with all three bureau, for other reasons being wrong info, and now about them violating my rights. They continuously deny my federally protected consumer rights over the phone, and say they will not delete these accounts. The last persons I spoke to at XXXX ( XXXX ID # XXXX ) and ( XXXX ID # XXXX ) at XXXX, we very adamant and told me the deletion were not happening even after reading them my rights.

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 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XX/XX/XXXX, American Express incorrectly charged me {$400.00} with a AmEx XXXX XXXX XXXX XXXX charge. I called for XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX, XXXX hour on XX/XX/XXXX, XXXX hours XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX. Over the course of those calls, I learned that the {$400.00} charge was AmEx reversing XXXX {$200.00} credits that they had provided me, and for which they rightfully owed me for promotions on hotel stays for which XXXX of my stays qualified. AmEx secure messages stated that the stays that received the credits had been cancelled, although this is not the case. There were XXXX eligible stays, and so I should have received the credit. No representative I spoke with could explain the discrepancy or why the credits were reversed. Multiple of the agents opened disputes, multiple agents also opened reconciliation cases. However, an " XXXX '' department always closed the cases without reaching out to me or the original agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 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 purpose.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-05-18
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
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:
I am writing to bring to your attention my serious concerns about potential identity theft risks associated with the mishandling of my credit reporting dispute by Equifax. I believe that the agency 's improper handling of my " ONLINE '' disputes, including unexpected mail communication and potential inaccuracies, poses a significant threat to the security of my personal information. I didn't request any reports to be sent out nor did I confirm a mailing address. I kindly request your intervention to thoroughly investigate this matter and ensure that appropriate measures are taken to protect against any potential identity theft risks. All the bureaus seems to be doing this and this is one of the many way consumers information is being stolen due to negligence by credit bureaus. 

Thank you for your prompt attention to this pressing matter. ( If they claim they didn't I have proof )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Adding to XXXX XXXX I forgot to attach another PDF file that clearly shows deceptive information given to me by phone as described in prior case # above. The new attached PDF file clearly shows the US Bank representative who signed the letter to me ( and was on the phone lying about the reason my rat was going up over 4 percent ).

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 2023-12-04
Company: EQUIFAX, INC.
State: MD
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:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In the process of selling my home, money came through on a wire and was not credited to my correct account. Instead somehow online two fraud accounts were opened and the credits were placed in those. I was unable to transfer it out and it was kept and I was not afforded to see both ledgers. 
The bank has not returned the credits to the correct Bank of America account. This has caused me great hardship. The amount was {$880000.00} which came in doubled as it should have. The bank called this an error. They did not follow gaap principles. A fradulent account was opened and the credits placed in them. My credits have not been returned, and not returned to the sender. They said these amounts were error codes. They refused to speak to me afterwards. 

I need your help Regards

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 2023-05-09
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: Information belongs to someone else

Complaint:
Transunion has not removed fraudulent accounts from my credit report still. I have made 3 additional calls to the company since my complaint and have been rudely denied. I was informed that I would get a call back as well from a supervisor after " 3 days '' and that was not honored by Transunion. Transunion verified the information reported on my consumer file through 3 different " furnishers of information '' and not me, the original creditor, which is unlawful. This is further causing me distress as I still have trouble operating in commerce. Additionally, during the phone conversations, I have spoken to 3-4 different employees each time totaling 18-20 people overall. Nobody was able to provide me with a document expressly stating they can produce and investigative consumer report on me, BY ME, which they have not done. Transunion is also not able to provide any evidence to a lawful investigation on my behalf. What is being reported on my name is erroneous and is degrading. Additionally, I have sent in a VALIDATION OF DEBT letter, as well as an AFFADAVIT OF TRUTH, attached with a bill of particulars both dated XX/XX/2023. I seek resolution by these accounts being promptly removed from my consumer report. Transunion 's behavior is absolutely unacceptable, as a Consumer, speaking to a Consumer reporting agency, I would think I should be treated with the utmost respect. However, this is not the case as Transunion apparently has obligations to furnishers of information as opposed to Consumers. I will now be seeking a {$10000.00} in damages for this situation IF the remedy I seek is not provided.

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 2023-05-22
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 belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: NY
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:
According to Experian and XXXX I have late payments on my XXXX XXXX account for the month ( XXXX ) and year ( XXXX ) as follows XXXX XXXX XX/XX/XXXX. I spoke with a representative in XXXX of XXXX at XXXX XXXX and had an agreement to where if I payed what I owe all derogatory remarks for the time frame mentioned above would be marked as payed on time. I payed as agreed and the derogatory remarks was not updated. I made a dispute and nothing was done. I got back on track with on time payments. XX/XX/XXXX my XXXX  was XXXX on XXXX XXXX. I fell into XXXX and could not make payments XXXX XXXX XXXX XXXX and XXXX. I reached out to XXXX XXXX in XXXX and explained my situation and asked can we make a payment agreement. I was offered a high amount to pay that I could not pay at the time which XXXX XXXX was aware of and they continued to report derogatory remarks on my credit report. Then XXXX XXXX  and I lost my job.They had no sympathy for the hard time I was facing. the information on this account is inaccurate therefore it should be deleted.

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 2021-06-02
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, XXXX, I purchased solar panels for my home through a company called XXXX XXXX '. They offered, and I accepted a time payment plan from a 2nd party company named " Solar Mosaic '' @ a 1.49 % interest rate. The system was installed on my home and payments to Mosaic began XX/XX/XXXX, XXXX.Mosaic takes the payments directly out of my checking account. This was a condition of the loan. 
So, on XX/XX/XXXX the payment for XXXX had been taken from my checking account, as agreed. The payment for XXXX, XXXX, was not due and payable. 
( This is where my complaint begins ) On XX/XX/XXXX, I paid an additional {$500.00} to principal on the loan - as to reduce the balance. The Mosaic Company credited my account with ( {$490.00} ) and charged me interest of ( {$5.00} ). I contacted them and was told, in order for the amount of money paid over and above the regular monthly payment, the additional amount had to be paid along with the owed amount. Well, since the company Mosaic takes the money directly out of my checking account, there is NO WAY to accomplish this. I pay down that loan when I have the extra funds to do so. Is it legitimate for Mosaic to remove interest money from additional money I pay towards the principal on the loan? I think not. 
The way they have it figured, every nickel i pay on my loan has an interest charge tacked onto it. Again : The Mosaic company removes the monthly payment directly from my checking account. If I elect to pay an additional amount, they charge interest on the additional amount. I can not submit extra money to be applied to principal without them removing interest because they remove the monthly payment money directly from my checking account. Their records that are the basis of this complaint are listed below. 
amount principal interest XX/XX/XXXX Payment ( {$97.00} ) ( {$64.00} ) ( {$33.00} ) XXXX ( Additional ) Payment ( {$500.00} ) ( {$490.00} ) ( {$5.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS REPORT, THESE ACCOUNTS ARE NOT MINE. THE IDENTIFICATION PROVIDED IS NOT ENOUGH PROOF THAT ANY OF THESE ACCOUNTS ARE MINE. THEY ARE A RESULT OF IDENTITY THEFT. I DEMAND THAT YOU REMOVE AND BLOCK ALL THE ACCOUNTS IMMEDIATELY. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. I ALSO WOULD LIKE TO KNOW THE METHODS USED TO VALIDATE THE DEBTS. THE FOLLOWING INQUIRES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPOT OR THE INQUIRY MUST BE REMOVED. - PLEASE REFER TO ATTACHMENT 1. PLEASE REMOVE THE FOLLOWING NAMES, ADDRESSES, PHONE NUMBERS AND ANY OTHER NAMES, ADDRESSES, PHONES NUMBERS YOU HAVE ON MY CREDIT REPORT. REFER TO ATTACHMENT 2.

Company response to consumer: Closed with explanation