BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My original direct student loan was consolidated almost 20 years ago, and I was under the impression it was federally-backed, however it technically became a commercial loan. Because of this, it automatically disqualifies me from receiving student loan relief, even though I received XXXX grants and my low income is within the qualifying limits. I was never given any notification about the XX/XX/2022 deadline to consolidate my FFEL loan to a direct loan, and therefore, could not take the necessary steps that the Biden administration required. It has been 20 years since I graduated college, and have barely been able to put a dent in my student loan balance. I am a mother of XXXX children, in a low-income household. How can I, as a taxpayer, be granted some kind of leniency, or something, anything to help with my student loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Risecredit, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor informed me that I had time to pay debt, however, debt was immediately sold to a collection agency which has reported this account to my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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 hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX XXXX. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX Balance Owed : {$310.00}, XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-03
Company: CITIBANK, N.A.
State: IL
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:
Citibank is reporting incorrect information as a part of their " free '' XXXX  score service. For the past two reporting periods they have reported inaccurate information, showing my credit score dropping significantly ( over 100 points ). Upon contacting them to inquire the reason, they point to the XXXX score as the basis of their score model. However, upon investigation with XXXX, there was no significant change to my XXXX credit score. Re-inquiry with Citibank with the explanation of this lead to no additional help or changes to the score from Citibank. Despite only having accounts with Citibank, and never having any accounts be deliquent or late, they still would not provide rationale as to why their XXXX score was negatively impacted by " late accounts ''. Upon my request to open a dispute for Citibank to investigate, the opening of the dispute was not confirmed via notification to me, nor was the status or supposed resolution of the case communicated.

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have some information on my credit that is not associated with me. I would like for them to be removed the inquiries thats on my account. Its not mine, and a few other items that on my account needs to be updated such as my name my address in my phone number

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 2022-06-03
Company: U.S. BANCORP
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have a loan with U.S. Bank for my XXXX XXXX. I downloaded the app to make payments and attempted to make payments on time every month, but due to errors with the app I was unable to make payments on time. Over the course of XXXX months, my payments were returned from XXXX separate bank accounts and I was charged a late fee for each failed payment. After noticing my payments had all been returned, I then linked my account to the app to make the payment and the same issue persisted. I was then contacted by US Bank for the first time, by the Collections department asking for payment and giving notice that I had been sent to collections effectively negatively impacting my credit score. I explained the situation to the representative and asked what could be done and she advised that all she could do was waive my most recent late payment fee and pass me on to either the dispute section or app section to attempt to rectify my issue. I filed a dispute with the dispute section but still have not heard anything back to this day. A week passed, I called to pay my debt in full over the phone after not hearing anything back from the dispute section about my complaint. When I told the representative that I was calling to pay my loan up to date, she asked " do you still have the vehicle? '' Of course, I was confused and she told me that my car had been placed on repossession. No notice, no communication at all had been given to me nor had anyone addressed my issue with the app, but they were planning to repo my car. I told the representative I'd like to pay everything up to date and start fresh with no issues. I was given a total, I paid the total and went on about my day. Then a week later, within the same month, I was called again by a representative telling me that I was late making a payment and had been charged a late fee. Apparently the last representative I spoke to only charged me a portion of my current bill, so I was assessed another late fee and behind again and still can not pay through the app.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The XXXX credit recording company are still reporting XXXX judgments ( XXXX XXXX XXXX XXXX and also XXXX of XXXX XXXX ) that have been satisfied ( Paid in Full ) over a year ago. I have reported to the credit company s and the court over a year ago.I hope you can help remove this out of date and false information. 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 2018-08-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We are receiving calls from XXXX XXXX XXXX XXXX. They are attempting to contact someone with the last name of XXXX. We have had our phone number since XX/XX/2006. When we first received this number we received debt collection calls for a person named XXXX, who I guess was the prior holder of the phone number. ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Have 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 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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Companies Involved : XXXX Credit Card I have kohls credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXXs of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.

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 2019-03-29
Company: JPMORGAN CHASE & CO.
State: VA
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:
Applied for the Chase Sapphire credit card, did not receive the card for a while report never recieved card. Once received the card call the number to confirm received and activated the credit card. However, Chase did not consider that being the promotion start date. As soon as you applied regardless the customer received the card or not is considered the promotion start date. Without notice filed that you are not qualified for the promotion. Misleading promotion, falsify make customer apply the credit card and then charge you annual fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX Have 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 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 2022-06-03
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SPRINGOAKCAP is attempting to collect as 12 XXXX BANK. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Presser, Felt & Warshaw have taken over a debt on behalf of XXXX XXXX Bank. I have been requesting a pay-off amount from them as part of my mortgage refinancing application so that I may pay this debt and move on with my life.

Timeline : 1. Tuesday, XX/XX/XXXX phone call at XXXX am and was told by the woman on the phone to contact Legal Resolution Team and have my representative send a fax of borrower 's authorization and pay-off request.

2. Wednesday, XX/XX/XXXX phone call to legal resolution team at XXXX XXXX  - XXXX min. wait time and then sent to voicemail. Left a voice mail and call-back number. No response or call back.

3. Thursday, XX/XX/XXXX. My representative emailed documents to the email address on the website after her phone call and XXXX min wait time to the legal resolution team phone number and being sent to voicemail. She left a voicemail and has not received any response. 
4. Thursday, XX/XX/XXXX I place another phone call at XXXX XXXX  to Legal Resolution Team. XXXX minute hold time and then right to voice mail. 
5. Friday, XX/XX/XXXX. I fax the documents to the fax number given to me by the woman on the phone ( see XX/XX/XXXX ). No response. 
6. Wednesday, XX/XX/XXXX. My representative emails to follow up on the file number and pay-off request. Also asked if the account has been closed and writes " Since there had been no resolution obtained for this account, it must be removed from my client 's credit obligations. 
Please advise, thank you '' No response. 
7. Friday, XX/XX/XXXX. I sent another email at XXXX XXXX. No response as of XXXX 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 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
Credit Reporting Company, Please have an actual human review these documents and think! Someone must review this. You all keep sending me automated verified letters that are clearly not accurate! This account needs to be deleted as the creditor is abusive and threatening and clearly keeps changing its story and details such as original amount. And you all are just following whatever they say. This is the point when more responsible credit reporting companies would delete the record. I expect the same from you.

Notice that in the attached letter from XX/XX/ XXXX acknowledges the lease term was paid in full. They attacked an additional charge of XXXX after the lease was finished. Its NOT part of the original amount as they have reported to XXXX. They have are so inconsistent with the dates and amounts on this lease. The original lease is finished and paid in full. If they want to try and rob me of more money by claiming the fraudulent charges of another XXXX they need to delete the original record from my account then add another record to the credit report as they have threatened. These predators are evil and are agents of XXXX. Stop letting your hands be used by the XXXX! If you refuse to delete these records and stop empowering this predatory lender to keep abusing me, understand you will answer for this in the day of Judgement. 

Please delete this now! Its not accurate and should not be on my credit report because this creditor is clearly lying and trying to extort money from me. I will never give them any money. They can send all the letters they want. They won't send this to court because they know they will lose! XXXX  if you refuse to delete this, I ask you to send your lawfirm to file this. They will tell you to drop this and leave me alone! I hope you arrogant monsters fall into the legal trap and do something so I can expose what you and that dealership did to me. I have found other victims and will be working on a class action against you for your leasing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have proof of fraudulent charges including XXXX active cases going to the XXXX  for prosecution. When will my account be credited for the fraudulent purchases in the amount of {$2700.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have several old issues that have been paid but are still on my report that need to be removed.

Company response to consumer: Closed with explanation