BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed on our credit report that a debt collection company reported four unpaid debts on XX/XX/XXXX. 
We had no idea what the debt was for and so called the debt collection company. We asked several times for them to send a paper bill to see what the charges were for but were denied.She said they only send one notice, which she said was sent in XX/XX/XXXX. We never received that notice. 
We asked several times on the phone what company the debt was for and she finally told us it was for a medical facility for x-rays. 
The debt collection company divided the bill into four charges of {$51.00} each, which meant four flags on our credit report. 
The company is : Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2023-03-12
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was doing the Public Loan Service Forgiveness Program and it should have been completed in XXXX with my 10 yrs/120 payments and despite the amount of forms ceritfing my employment from the school district I am currently employed. My account is showing that I have met 112 of the 120 required payments for forgiveness as of XXXX. This is incorrect. I would have met my 120 payments back in XXXX. They have given me credit for the school districts I worked for up until XX/XX/XXXX. I am still employed at the same district ( XXXX XXXX XXXX XXXX ) and on the form that HR filled out the put down my hire date XX/XX/XXXX and for the section under " end date '' was left blank because I am still employed there. I have done part, yet everytime I submit something it takes another 90 days to hear something that is always inevitebly incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was consolidated with Navient/Sallie Mae on XX/XX/XXXX due to my previous loan servicer, XXXX XXXX dissolving. Once I was notified via mail to confirm the consolidation and my payments began, I contacted Navient/Sallie Mae to begin submitting my employment verification once the Public Service Loan Forgiveness Program became effective on XX/XX/XXXX. Many years after processing all of my payments and documentation of work history, they began telling me that I was ineligible for the program when I began applying for the Teacher Loan Forgiveness Program sometime in XXXX to have some relief on the amount I was paying every month toward my loans. They kept telling me that my application for the Teacher Loan Forgiveness Program was being denied, but never disclosed that my loans were dispersed as Family Federal Education Loans and needed to be consolidated with another servicer in order to be coded as Direct Loans to be eligible for both the Teacher Loan Forgiveness and Public Service Loan Forgiveness programs when they were well aware of this information. Navient/Sallie Mae serviced my loan from XX/XX/XXXX through XX/XX/XXXX and never once disclosed this information to me! I only became aware of this information after speaking with a XXXX XXXX XXXX Representative after re-consolidating my loans with them due to Navient 's egregious servicing practices including losing documentation necessary to process loan forgiveness applications, failing to process documentation and applications in a timely manner, and providing misinformation over the duration as servicer of my loans. To add, their dishonesty about submitting documentation correctly for the TLFP and about being aware of the type of loan I had was verified because shortly after I consolidated with XXXX XXXX XXXX, my application was submitted and approved. I have paid Navient tens of thousands of dollars toward my loans, thousands of dollars toward interest, and have been paying on loans for over two years ago that would have been forgiven had they acted ethically to disclose information to ensure my public service loan forgiveness application was accepted. I would like them to dissolve my loans because had it not been for their negligence, my loans would have been completely forgiven over two years ago. Additionally, I contacted Navient twice to receive a comprehensive payment history and they failed to provide documentation clearly listing each payment made so that I could calculate an accurate number of just how much I have paid them. I have included both documents they provided as responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX JPMCB CARD  was approved on my account. I already HAVE a JPMCB card. I got alerted and called chase/amazon immediately to report the fraud. They said they would delete it and get ahold of the bureaus. I needed up just filing a dispute on each and freezing my accounts. I had to upgrade to do it. I had some high alerts from XXXX. XXXX deleted a name but then there was a bunch of stuff they updated and told me other processes to then do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I called my loan company Santander Consumer USA to discuss my loan. The next day they said my balance in good standing but they reported my account to the credit bureau. Next i told them i could make a payment of XXXX and then XXXX this week since i am a XXXX XXXX XXXX. The sales person on the phone agreed to it. After that day i get a letter in the mail with the intent that Santandar Consumer USA is going to repossess my vehicle this week if i don't come up with the balance due. I then told him the sales representatives that i will pay what we agreed on and the following people pay the monthly balance to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from XXXX. XXXX always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested XXXX to update their file over 5 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my Consumer Report and noticed that I had late payments that I have never been late for. There are also discrepancies among each reporting agency that conflict with each other when reporting : " date of last activity '' " balance amount '' " Date account opened '' " Date of last activity '' etc., Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with maximum accuracy. I have never been late on payments for this account : Avenue Credit Card XXXX XXXX Comenity Bank There are also a lot of discrepancies between each of the credit report agencies and I want this incorrect information removed. 
Please investigate this and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be as I was NEVER late. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2019-07-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/2019 my vehicle was repossessed by Chase bank. I offered to pay restitution but they took the vehicle. I attempted to contact someone to speak with me EVERYDAY for 2 weeks, even contacting the main offices in NYC. No one would help. They stated that I had been 5 months behind. I knew for sure I was not. No one would work with me despite the fact that for almost 20 years I had car loans with them and had NEVER been late on payments. After two weeks of begging, pleading, and offering partial payment, Chase remained cold and inhuman. They would repeatedly put me on hold and leave me there until I hung up. They talk to me like I wasn't a human being. They wouldn't work with me they wouldn't do anything to help. They would not release the vehicle without full loan payoff. I had to basically sell everything in order to get my car before they threatened to sell it. After I got my car back, paying IN FULL the rest of the loan, I found the letter in which they gave me a grace period of 2 months to pay on my loan. During the conversations with the bank, they vehemently denied ever granting this. The loan was actually less than 60 days late payments. The pain and suffering caused was immense and the car legally should never have been repossessed. I was thoroughly disgusted with their lack of customer service. This was nothing short of inhuman behavior and complete big bank mentality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: W&A Intermediate Co., LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX. i wrote to them numerous times and left messages to tell them that the bill had been paid but ultimately they sent the bill to a collection agency. i was forced to pay a bill that i had already paid again so my son 's credit score would not be harmed. respectfully submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unable to open a new bank account with pnc bank, XXXX, XXXX XXXX XXXX due to accounts being opened fraudulently under my name in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: NJ
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account.

CITI  XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2018-01-17
Company: Comerica
State: AA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
INVESTIGATE ILLEGAL TRANSACTIONS XXXX XXXX XXXX NOT RECIEVED HONEST DEPOSIT OR DEBT/ CREDIT FROM XXXX XXXX OR A HONEST ANSWER I WAS ILLEGALLY ENLISTED IN CONT USA XXXX HOWEVER IM ENLISTED IN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights please remove late payment

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency furnish an account without my written instructions 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 explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX  XXXX XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$24000.00}

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 non-monetary relief
Consumer complaint received 2018-12-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/2023, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/2023 and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief