BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is with Navient. I stopped the auto pay, even called to confirm it was off of auto pay. They confirmed it was off of auto pay, they still pulled the payment. Once I noticed Navient pulled the unauthorized payment, they told me I did not take it off auto pay. When I talked to a supervisor gave him the date and time I called to take it off auto pay. they found the call log.. When I finally received my money back, I filled a complaint. Now my loan has {$6000.00} + in new interest when I called today Navient told me its back interest from 2013 I then told Navient to explain how all of a sudden I have interest form 2013, he told me that's just how it works. I asked to see in the contract where is the interest information. Now waiting to receive that information. I find it odd after I file a complaint my loan has $ 6,000+ in new fees on it. I have not missed a payment for over 24mo and even made payments when it was on in school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I learned about several inquiries on my credit report that I did not authorize. I contacted TransUnion by letter twice stating that the inquiries were unauthorized and I had no knowledge of them. They refused to remove them stating that inquiries were factual and that would stay on my report for two years. How can they say that when I never gave any of the companies permissible purpose to pull my credit? And they have yet to provide me of any proof of such! What TransUnion is doing is a clear violation of the FCRA.

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 2018-05-01
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my HIPPA rights. XXXX XXXX XXXX has my medical information without me signing a HIPPA release form that releases my medical information to them. I have not received a response as of XX/XX/2018 of this item being removed from my credit report. I am in clear violation of my rights according to HIPPA. This derogatory mark reflects very negatively on my credit report. XXXX is embarrassing me by reporting incorrect items on my credit report resulting in me being denied while trying to purchase my first home. I am a serious consumer who is proceeding with legal actions against XXXX should this item not be deleted from my credit report ASAP!

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-04-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello. My claim refers to two transactions made through XXXX from the bank Chase that ended up in the wrong hands for reasons beyond my control and has resulted in money lost without response. 
It happened as explained : I have check accounts with XXXX XXXX and chase. In XXXX XXXX I had XXXX configured with my phone number, with chase XXXX used my email. On XX/XX/XXXX I changed my phone number on XXXX  for scam call harassment. 3 days later XX/XX/XXXX I updated my information on the XXXX XXXX website by putting my new phone number. I made a transaction of XXXX using XXXX from chase as I usually do, using my new number and trusting that everything was fine. The next day XXXX my wife calls me saying there was not enough money in the joint XXXX XXXX account and I send XXXX more and then I verify and surprise : no transaction ever arrived. Quickly from my work center I call chase and XXXX XXXX to get an answer and they tell me that it can not be canceled. 
I personally went to both banks and they just told me that that phone number was anchored to the previous owner of the number in the XXXX XXXX XXXX.I called XXXX  and they tell me that number had not been used for months.I updated my profile in XXXX XXXX on time, as it was possible that? It turns out that although your data is correctly updated in the profile in the XXXX XXXX system, you can not register that phone in XXXX if it is anchored to another bank. But chase having been informed of the problem to try to give quick solution like cancellation or something, never did anything, and the money was mine and left chase at the wrong hands. I made a claim in Chase with number XXXX, they washed their hands passing the claim to XXXX with number XXXX tried to communicate with the customer service in XXXX and it is  impossible to reach because they always refer you to your banking institution. And I have not even received any answer by email from them just total silence. 
Yesterday, XX/XX/XXXX, after several attempts to recover my money I have called to Chase and they tell me that the back office tried to recover the money from the XXXX  XXXX XXXX and it was not possible. So simple as that.This shows that the XXXX system is not at all safe but also demonstrates the incompetence of a bank as Chase to fairly solve a situation that I was not guilty of, Because simply I did everything I had to do at the time I used my own phone number, update my information as required and so and all the money has been lost. That's why I ask for a refund of my money to Chase, as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, XXXX XXXX and Experian credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.

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 2018-05-01
Company: Supreme Lending
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX dba Supreme Lending has taken over 90 days and counting to close on my loan. I have had to pay for 3 extensions through HUD due to Supreme Lendings underwriting department taking 3 weeks to review my loan documents. Please investigate this!!!

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 2017-11-29
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account.

The Credit Bureau ( Experian, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

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 2019-04-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX, XXXX XXXX increased my limit on two credit cards. However, XX/XX/XXXX XXXX decreased my credit limit which increased my credit utilization to 93.6 % utilization. On XX/XX/XXXX, XXXX then decreased my credit limit on 4 retail cards so that now all my utilization levels are at 90 % or more. They state the reason is that my credit score dropped dramatically in one month. However, how does this protect the consumer? I repaired the issue that affected my credit which was a medical bill and late payment that is now current and paid over XXXX in debt this month, but this company went above and beyond to harm me as a consumer. When I explained to them how does this protect consumers since capitalism is based on the money spent by individuals. They had nothing to say, except I see you have never had a late payment on any of your XXXX accounts. Yet, here we are with a financial institution making a decision that did not even affect them, but rather infringed on the consumers hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I thought a charity that a had relationship with the hospital paid the remaining balance

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 2017-11-29
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
To whom this may concern, I 've been trying to resolveXX/XX/XXXX XX/XX/XXXXthe multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, Equifax & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & TransUnion ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

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 2018-09-15
Company: EQUIFAX, INC.
State: AZ
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 have a problem with Equifax. I formerly had a charge off with XXXX XXXX XXXX. I was able to make contact with the company and they agreed in writing to remove this account from all of my credit reports. XXXX and XXXX  removed the account but Equifax has not. I even sent them the written proof from XXXX XXXX XXXX showing them that it should be removed. However Equifax still has the account listed as a charge off on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the XXXX said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX  and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 2020-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS ACCOUNT WAS OPENED IN XXXX THE ORIGINAL CREDITOR WAS XXXX XXXX CREDIT CARD. THIS FACTORING COMPANY-PORTFOLIO RECOVERY BOUGHT MY DEBT FOR A XXXX AND INDICATED THAT THE ACCOUNT WAS OPENED IN XXXX THEY FALSELY INDICATED THAT THE ACCOUNT WAS OPENED AND THE REMOVAL OF THE WRONG YEAR FOR XXXX. ACCORDING TO WHAT I READ THE CREDIT REPORTS MUST DELETE OR UPDATE THE CORRECTED INFORMATION. I HAVE BEEN CONSISTENTLY ON THE COMPANY AND THE CREDIT REPORT TO CORRECT THE ERROR. 

AT THIS POINT I AM REQUESTING THE PORTFOLIO RECOVERY DELETE ALL ACCOUNTS FOR INACCURATE INFORMATION AFTER DISPUTING WITH THEM FOR 4 YEARS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian refuses to remove 90 day fraud alert placed on my report on XXXX WITHOUT my authorization. As of today XXXX, past the 90 day period, company STILL refuses to remove expired alert. This qualifies as defamation

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 2018-05-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have XXXX US dollars frozen on my Pay Pal account. They refuse to release those founds to me sinceXX/XX/2018 They claim that this money belongs to me, but they will not transfer that money to my bank account. 

Account is linked to email address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- XXXX , XXXX and TransUnion immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

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 2018-03-21
Company: ACS Education Services
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have student loan with XXXX ( XXXX XXXX XXXX earlier ). 
I am making regular scheduled payments or auto draft from my bank account. I noticed that all the payments goes toward the interest and nothing toward the loan principle. 
Contacted the company for explanation and the agent but was not able to give straight answer and stated later will see reduction on my principle. 
There is no explanation or monthly bill from them and on their web site just have the payment history. 
Recently, after being frustrated with their practice, I re-finance my loan. But I was charged more interest again could not get any answer either by trying to call the company or getting on their web site

Company response to consumer: Closed with explanation