BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
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:
I received a copy of my credit report and am disputing ( ALL ) accounts with XXXX XXXX to be deleted. The reasons why these items should be deleted are - I am a " VICTIM OF IDENTITY THEFT ''.

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 2018-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took out a private loan in XX/XX/XXXX with Navient. I have been a student for the majority of time between then and now. I have consistently had issues with Navient applying my student deferment in a timely manner, refusing to apply the deferment, and listing my account as past due when it was reported to them through the XXXX that I was a student. 
My most recent problem with this happened in XX/XX/XXXX. I had been enrolled as a student the prior semester, and the deferment was applied. I enrolled for the Summer term, but Navient refused to apply my student deferment. They ignored both my attempts to contact them and resolve the issue and the XXXX data reported to them. They also did not apply the deferment to my federal loans. I do know the XXXX reported my enrollment because another company I have a loan with applied my deferment without me needing to contact them. Instead of applying my deferment or working with me, they listed my account as past due and threatened late fees and negative credit information. 
After numerous attempts through XX/XX/XXXX and XX/XX/XXXX and a complaint with the XXXX XXXX XXXX, they had to admit they did receive the enrollment data and applied the deferment to my federal loans only ( which required no payment at this time as they are on income based repayment and my income is too low to require payment ). They still refused to apply any deferment to my private loan ( the only one requiring payment at this time ). The only reason I was given is that I can't have deferment any longer because they no longer offer NEW loans of this kind. That is ridiculous. Near the same time, I was also told that I have 12 months of forbearance available, which I repeatedly requested. That request has been ignored, with the same person ( XXXX XXXX ) responding to the email but completely ignoring my clear request to apply this available forbearance. I have made it clear repeatedly that I am unable to make the payments at this time. Not only am I a student, but I also do not make enough at my job to afford this payment above my basic expenses. In an effort to avoid the continued threat of negative information on my credit report as a result of Navient 's refusal to apply these payment postponements as agreed, I payed {$300.00} to bring my account current, having to short my rent and go without food to do so. Instead of working with me, Navient has continued to refuse to apply deferments, forbearance, or lower the payment amount. I believe they have reported negative information on my credit report, and are still attempting to strongarm me into payments I can not afford at this time with the threat of additional negative information on my credit report and added fees. I have been honest that I can not afford these payments and have tried to work with Navient, but they have made XXXX effort to work with me or honor the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing who is the servicing lender of my mortgage loan # XXXX has continually delayed posting payments to my account until after the XXXX of the month and have so far charged me two late fees when in fact the payment has arrived on time prior to or on the XXXX of the month. I use my Bank 's bill payer service to send payments and they have a guaranteed delivery date of on or prior to the XXXX of the month. Fay Servicing delays posting these payments and does not post based on the day they receive the mail and waits several days to post. Most recent payment was sent out by my bank on XX/XX/2019 for guaranteed delivery by XX/XX/2019 and Fay Servicing did not post the payment to my account until XX/XX/19. They charged me a late fee of {$97.00} and I feel it is unjust. Fay Servicing has said they will not refund the late fee and that is not acceptable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX  ), XXXX XXXX/XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX  : XXXX  ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX/XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX ( Equifax : XXXX : XXXX : XXXX XXXX : XXXX ), XXXX/XXXX  ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX ), XXXX/XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX ).

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: OH
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent in dispute letters to the credit reporting agencies ( XXXX, XXXX, and transunion ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/XXXX and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.

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 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wrote a check from my personal checking account to XXXX XXXX XXXX for the amount of {$4300.00}. dollars to pay my credit card bill for the month. This was the full amount due. My bank statement at XXXX XXXX reflected that Capital One made a {$4200.00}. dollar processing error and only cashed and deposited the check for {$43.00}. dollars which was the minimum due. I called Capital One customer service in which I was told that they could not do anything about it. I had to call back and speak to the Capital One Check Resolution Department which I did. I asked that they send me a copy of the check as my XXXX XXXX XXXX could not provide a copy as it was electronically deposited by Capital One. I needed the copy to balance and resolve my bank statement. They gave me a fax number to which I was to provide the specific check details and they would fax or mail or email the copy of the check back to my attention within 2 business days. I sent this fax on XX/XX/2018 at XXXX XXXX. No reply. So on XX/XX/XXXX, at XXXX XXXX I re-faxed. As on today 's date still no reply. Subsequent phone calls to Capital One customer services reflects that they can not do anything about their non compliance to my faxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is intentionally being mis-reported on my credit report It is reported as XX/XX/XXXX, but they admit that it is XX/XX/XXXX It is being mis-reported in an attempt to collect on a debt that is out of statute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I fear that I may have been unable deliver a claim notice to American Express in advance of mediation/arbitration/litigation. On XX/XX/XXXX, I cerftified-mailed a claim form and cover letter ( copies attached ) to the Amex GC, and it was received on XX/XX/XXXX ( copy of XXXX tracking attached ). Regrettably, American Express stated in a XX/XX/XXXX letter ( copy attached ) that " we have no record of having received a request for arbitration or other claim. '' I can appreciate that American Express has many bad facts to deal with surrounding my issue and are not eager to expend additional resources over a {$100.00} claim, but I am resolute in my pursuit of justice and desire to help Amex improve their customer service function. Despite repeated instances of Amex supposedly providing feedback to the appropriate leader, their XXXX XXXX XXXX complaint department seems to be thoroughly incompetent, at best. Therefore, I request that CFPB look into Amex 's handling of my claim so I can find out if they lost it and I need to re-file it or if I'm able to pursue mediation/arbitration/litigation right away. I don't want to miss any arbitrary 30 day tolling provisions due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I got an alert stating that Equifax has a potentially negative unpaid balance from XXXX XXXX XXXX for {$630.00}. Ive never heard of or received any type of communication from XXXX XXXX XXXX. Incidentally, Equifax wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recent XX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at Equifax. Every time I try to get a credit report, Equifax doesnt know WHO I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/18 received letters in mail stating that bank account will be frozen and any property worth anything will be taken. This collection agency and court are demanding {$810.00} to be paid to court officer. At no place in letters state what exactly the original fee they claim I owe is for. XXXX is responsible for this along with XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Unified Global Group
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
They called saying the loan I had applied for was accepted. Due to my good behavior of paying debts/bills on time, no criminal history, and I was awarded this money as a grant and I would not have to pay this back. 
The number associated with this was ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX was the name given. You could hear a lot of people in the background so it did sound like a call center.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-21
Company: Commonwealth Financial Systems, 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:
Hi Sense XXXX last year I'm doing automatic payments on this two accounts, trying to fix my credit score but first still showing up on my credit history and second balance never change my I wound like to just disappear from my record cause it's been getting taking care off I spoke to my creditor but still the same info not helping my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I disputed the bankruptcy on my Experian credit report. On XX/XX/XXXX Experian responded online to that dispute with the statement, " The company that reported the information has certified to Experian that the information is accurate ''. There was no mention of who the company was that verified the information. On XX/XX/XXXX I submitted a " method of verification '' letter in response to Experian 's response so that I could find out what company certified the information. On XX/XX/XXXX Experian responded online to that dispute with the same statement, " The company that reported the information has certified to Experian that the information is accurate ''. Experian did not provide the company 's information that certified the information. Experian has shown to be acting in a dishonest manner regarding their investigation process and response. I've attached documentation to backup the above items and in that attachment I've also included two letter from that U.S. Bankruptcy Court that states they do not report ANY information to the credit bureaus or XXXX XXXX. Since the court does not provide the information then Experian has failed to investigate the information properly as the Fair Credit Act requires.

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 2018-08-24
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:
Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity theft and someone used my information at an ER in XXXX  XXXX Oklahoma. I got in touch with the hospital and the person showed no ID and left against medical advice. I have provided all information requested by XXXX to have this removed as Fraud and requested a follow up of the removal over 30 days ago with no response, I would like this removed as it has a negative effect on my credit and is not a valid debt

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 2018-11-14
Company: Systematic National Collection, 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:
There is an item on my credit report from XXXX that is not mine. It's called Systematic National Co. dated XX/XX/15. I suspect that it was my daughter, who did this. She moved back in with me in XX/XX/2015 with her shady boyfriend. It was investigated by XXXX   and they found it to be accurate. I am a victim of identity theft or fraud. Can you help? 
Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, The reason for me filing this complaint is due to I C System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of 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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I booked travel using rewards points, the purchase came to XXXX XXXX. On XX/XX/2021 we received notification from the rewards group that our flight was canceled and we would be reimbursed the points used in the booking.

Almost 6 months later and over 10 phone calls and over 20 hours in total, the rewards department only reimbursed XXXX pts. No one, including the supervisors can explain why so little was reimbursed and keep transferring from one department to another. The departments we are transferred to say that they are the wrong department. It seems like we have no other recourse, but to file a complaint for the theft of {$2900.00} which is the monetary value of the missing points. Please help us resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: ERC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, XXXX sent my account to collections because I hadnt returned my equipment. I did not have access to it until XX/XX/XXXX and officially returned it in person to XXXX on XX/XX/XXXX. I sent Enhanced Recovery this information so the claim could be removed from my credit, and I have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax continues to disclose bad info on a collection from XXXX XXXX, a company with a very bad reputation in the industry. 
The account was cleared in XX/XX/2016 with a XXXX balance due.

Company response to consumer: Closed with explanation