BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an alert today, XX/XX/2022 regarding a Navient account. Stating that my account is reporting Delinquent causing a decline in my credit score of XXXX points. Please advise why? Per the Department of Education : Biden-XXXX Administration Extends Student Loan Pause Through XX/XX/XXXX Contact : Press Office XXXX XXXX XXXX ) XXXX, press@ed.gov Today, the U.S. Department of Education ( Department ) announced an extension of the pause on student loan repayment, interest, and collections through XX/XX/2022. While the economy continues to improve and COVID cases continue to decline, President Biden has made clear the continuing need to respond to the pandemic and its economic consequences, as well as to allow for the responsible phase-down of pandemic relief. 
The extension will provide additional time for borrowers to plan for the resumption of payments, reducing the risk of delinquency and defaults after restart. During the extension, the Department will continue to assess the financial impacts of the pandemic on student loan borrowers and to prepare to transition borrowers smoothly back into repayment. This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. The Department will also continue to provide loan relief, including to borrowers who have been defrauded by their institutions and those eligible for relief through the Public Service Loan Forgiveness program. FSA will establish new partnerships to ensure that borrowers working in public service are automatically credited with progress toward forgiveness, eliminating paperwork that prevents many borrowers from getting help. FSA will also continue to transfer loans to servicers committed to working under new, stronger accountability rules. 
The Department of Education is committed to ensuring that student loan borrowers have a smooth transition back to repayment, said U.S. Secretary of Education XXXX XXXX. This additional extension will allow borrowers to gain more financial security as the economy continues to improve and as the nation continues to recover from the COVID-19 pandemic. It remains a top priority for the Biden-XXXX  Administration to support students, families, and borrowers especially those disproportionately impacted by the pandemic. During the pause, we will continue our preparations to give borrowers a fresh start and to ensure that all borrowers have access to repayment plans that meet their financial situations and needs. 

Delinquent Account XX/XX/2022 XXXX has appeared on your credit report. 

XXXX XXXX NAVIENT Industry Type GOVERNMENT STUDENT LOANS XXXX Address XXXX XXXX XXXX, XXXX XXXX, PA, XXXX Inquiree Address XXXX XXXX XXXX XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus Experian, XXXX, and XXXX. The inquiries in question are as follows : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 2021-09-03
Company: CITIBANK, N.A.
State: CA
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:
My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to 15usc 1602 ( l ) : A " credit card '' means " any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice that Congress said ANY card. The " Credit Card '' that I used to Originate a Consumer Credit Transaction with CitiBank was my Social Security Number, as I am the Original Creditor- not them. I am demanding that these fraudulent claims that CitiBank is making in regards to me " owing a debt '' and them " validating that the debt is mine '' be investigated immediately and that these fraudulent charges be removed, as well as removed from my Credit report- pursuant to 15usc 1681a ( 2 ) ( B ). CitiBank is claiming to be the Original Creditor in this Consumer Credit Transaction, yet can not provide me with validation of the debt NOR the name & address of the Original Creditor. This is Identity Theft and Fraud, and is completely against my rights as a Federally Protected Consumer, under Title 15 Chapter 41.

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 2021-09-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit has been pulled fraudulently. Please remove inquiry

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 2018-07-17
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX was hired by XXXX to collect a debt. This debt was not mine and as such XXXX paid the bill and eliminated any collections on this matter. This was done after the Attorney General of California was engaged and made aware that the debt was not correct. I have since received a letter from XXXX legal council that was sent to the state of California Attorney General. The whole debt was forgiven. 

Allough XXXX XXXX XXXX is reporting new problems as of XX/XX/2018. This should be removed as they are falsely marking my credit reports and hurting my score. This has been a long battle with a lot of errors and problems. 

Can you please assist? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Credit Card Receivables Fund Incorporated
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A paper was left in door in XX/XX/XXXX regarding a judgement dated XX/XX/XXXX and the paper indicated it would revive judgement. But I did not open any accounts and was not aware of any judgement. I was told by company that it did not matter because the judgement was already entered and that they could collect any amount listed plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 an apartment complex in Arkansas- the XXXX XXXX XXXX XXXX XXXX -called me to tell me I had rented an apartment. I had not. I told them that they had the wrong person, that I live in Georgia and never been to Arkansas, and therefore had not rented an apartment. They said they would need some information from me to address this situation. Figuring this is a phishing call, I told them I would not be giving out any information. I stressed that they had the wrong person and to stop calling me at the law firm where I work. Today, XX/XX/2023, I received a collection notice from XXXX XXXX XXXX XXXX stating that I owe {$80.00} to XXXX XXXX , an apartment complex in Arkansas. This is a fraudulent claim. I called the number on the notice and when I yet again refused to provide personal information, the woman on the phone started yelling at me. I believe both of these entities are fraudulent and they try to prey upon ordinary people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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:
In XXXX, 2022 I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to EQUIFAX and as of Today XX/XX/2022. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX ), UNKOWN FURNISHER ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, Experian, and 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 2023-05-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 Wells Fargo received validation request letters by me, the consumer, under the authority of The Truth in Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Wells Fargo claims it is owed to them. Wells fargo failed to respond to my letter or provide any evidence of a debt within the 30 days that the TILA and FDCPA allows. This alleged debt must be fraud for the creditor has not answered any of my questions. see attached letters mailed to wells fargo.

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I tried cancelling this card in XXXX when the fee was due. It appears it was never cancelled. I have not used the card since and called to cancel/refund as soon as I noticed this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXXXXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2018-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I attempted to work with XXXX on a loan modification on property XXXX XXXX XXXX XXXX, XXXX Texas. I worked for 2 years to try to modify the loan. Each time I sent paperwork in, it was missing something or they couldn't open email or didn't receive the faxes. Then I would have to start over and each time they delayed the modification. Every 3 months I was on a forebearance payment. Then I got notice that they sent a notice denying my modification and they sent it to foreclosure in XX/XX/XXXX. When I offered to pay the back fees and missed payments they gave me an astronomical number that I could not pay. There was a second mortgage on the property owned by Washington mutual and then later sold to JP morgan chase. I did not receive any documents from XXXX or Chase on what the house was sold for and did not voluntarily forfeit the property. Chase sent the Cancellation of Debt for that period and have represented it as the foreclosure occurred on XX/XX/XXXX when actually the event should have occurred in XX/XX/XXXX, not sure of date because I received no paperwork. Also the fair market value of the property is not correct. The fair market value should have been taken for XX/XX/XXXX instead of XX/XX/XXXX. We feel that we are not responsible for the debt in XX/XX/XXXX when it was suppose to be XX/XX/XXXX when we were insolvent. Also we were misrepresented with Washington mutual and the second mortgage was suppose to be tied to the property. Chase was notorious for these kind of tactics in XX/XX/XXXX thru XX/XX/XXXX with foreclosures and we have had other properties that foreclosed in that era that chase actually had a lawsuit where we got proceeds from. We will include the Cancellation of debt but redact it as in dispute with Chase. We have sent a letter to chase to make the changes on the document and the document to the IRS. We also didn't receive the XXXX Debt cancellation until the end of XX/XX/XXXX. They also didn't release the lien until XX/XX/XXXX even though the property had been sold. When I called and spoke with Chase concerning this mattter, Chase stated that they sold the property in XX/XX/XXXX for enought to cover the first and second mortgage but by law they did not have to pay off the second mortgage. When I asked Chase to show me proof of bills they had been sending to try to recover this second mortgage, they stated that they do not send out any bills and that we just should have known. When asking them about the fair market value being for XX/XX/XXXX and not XX/XX/XXXX, Chase stated that they can make the fair market value what every they want to make it. I asked to speak with a manager or someone in a higher positiation and they stated they were they highest position in Chase. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
US Bank Reliacard has ruined my life My card was frozen in XX/XX/XXXX. This card account held every penny I had to my name. I complied with their demands and sent proof of identity, proud of address, both current and previous, as well as a forwarding address that I was at currently, and account information for verification. I sent it by email. I sent it by fax. I have it to them verbally. This went on until XX/XX/XXXX! In that time, while my card was frozen, I could not eat. I was stranded out of state, 700 miles from home. I then lost my home and all my belongings because I had no way to get home, or pay my bills, for three months. They cost me everything. They eventually mailed me what appeared to be a check in late XXXX. However, upon trying to cash the check. I could not. After numerous calls to US Bank Reliacard, they finally informed me I must take the check to one of their US Bank branches in person. There is only one of their banks in the entire state, and it is still over four hours away. Which was impossible. I never did make it to a branch in person. 

In addition, my wife had just XXXX XXXX, I'm told. I was not there. I have had to continue this ridiculous process yet again in an effort to retrieve the funds from my wife 's account. This has gone on from XX/XX/XXXX up to today, XX/XX/XXXX. Four more months have passed and I send them POA, MPOA, Affidavit of heir, other notarized documents indicating my status as next of kin, Agent by proxy, and court stamped documents naming me Adminstrator off my wife 's estate. I have sent images of her social security card. Images of both our drivers licenses. I have sent them her death certificate. All have been sent over 20 times. Five times a month, for over for months. They have not replied to any single question I have asked. They have not acknowledged receipt of emails or documents. They have done absolutely nothing to resolve this problem. Did I mention my name is even on my wife 's account? " In care of '' ... My name, clearly on the account with my wife, and yet they continue to ignore my rights and obligations. 

US Bank Reliacard had literally cost me absolutely everything I possessed in the entire world and has had nothing to say about it at all.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: PA
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:
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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 XXXX 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 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian been holding negative items on my credit report for years, holding me back financially. Ive done everything I can to Dispute all negative items, even after some of the items were paid in full or no longer being reported. Every time I try to dispute online, they dont remove the accounts from my credit report. To me is not fair because Ive been fighting identity theft over seven years and I took initiative up on myself to fix everything but I need help ASAP. in addition to credit reporting XXXX XXXX XXXX XXXX falsely closed and reported both my personal bank account and my secure credit card to the credit, bureaus and XXXX XXXX  as account abuse.Bank of the west illegally reported my accounts to be closed until 2029.

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 2020-07-30
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, Experian and XXXX   stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/2016 # XXXX Bankruptcy XXXX XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation