BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My total current amount as of XX/XX/XXXX is {$130000.00}. {$63000.00} from Sallie Mae and {$71000.00} from Navient. I was never told that Navient was buying anything from Sallie Mae until I got bills from Navient and had to call a Sallie Mae representative for information. I graduated in XX/XX/XXXX and have been making payments ever since and my loan amount has only increased. I can not afford my payments and they will not work with me to make payments. I was told by customer service representatives to ask people in life for money to pay for it and that it is too bad and to call back when I can make a payment. They are extremely unprofessional and give scarce, if any help with repayment. I have been researching tricks to help pay down loans faster and one is  making extra payments to buy down the loans. I asked Sallie Mae if I can make bi-weekly payments on autopay to pay quicker, they refused. I asked to make payments towards the principle balance only in attempt to buy my loans down quicker and was told I can not, it will go to interest first and even if specified for balance only, they will disregard and put towards interest anyway. I am trying to work with them to make payments, I am not skipping out on my payments. I simply can not afford my debt and would like help with making payments I can afford and they refuse. My interest rates were around 7 % when I first got the loan and now are almost at 11 % on some of them. I was never told how high they would go and given no help on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX FL XXXX 8. The following personal information is incorrect Account Number : NAME : 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 2021-12-11
Company: EQUIFAX, INC.
State: MI
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:
Equifax has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Equifax my written consent to do so. Equifax is in violation of the USC LAWS listed below.

Equifax, please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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 placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, XXXX. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted XXXX several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). XXXX has very poor controls and it is impacting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Upgrade, Inc.
State: TX
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:
I reached out to the bank promptly filed a police report my card was used out of state and in places I have never been. I contacted my bank instead of XXXX XXXX  the dispute they sent me a notice that I made purchases at these merchants which was not factual. 

They sent no information of how they reached this inaccurate conclusion and refused to protect me in this instance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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

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 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit and I noticed my reports for TransUnion,   XXXX   and  XXXX  contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :  Trans   Union  :     XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I  also thin k that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were p laced on several different dates.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act 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 an account without my written instruction.

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 2023-04-25
Company: EQUIFAX, INC.
State: CT
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 [ # XXXX ] Your company is in clear violation of the law. Under 15 USC 1681b -permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. DELETE the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, which i will also be seeking {$1000.00} per violation for 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance -616. Civil liability willful non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer for {$3000.00} from my Citi Bank NA account to my Citibank XXXX account on XX/XX/2022. This was to pay for my expense in XXXX. The wired money did not reach my Citi Bank XXXX account. I called Citi Bank XXXX many times and I was told they could not trace the transaction. Citi Bank XXXX told me they had reached Citi Bank NA but were not able to resolve. I could not use the fund when I was in XXXX. I came back to the States on XX/XX/XXXX. I called Citi Bank XXXX and was told there was a problem with the account number. I had fat fingered the account number. I was given two options, 1. Fix the account number which will take 10 - 30 days 2. Cancel the transaction which would take max 10 days. 
I chose to cancel, because I had to pay back the money I had borrowed from my family during my visit. 
It is XX/XX/XXXX today and after several calls to Citi Bank XXXX, I am asked to be patient and I am told it will be resolved soon. 
I spent a lot of time ( more than 10 calls to Citi to check on my wire status ) and I am also told I will be paying currency conversion fee twice for a fund I could not use while I was visiting XXXX. 
Shouldn't the wire be returned back as soon at it was determined that the account number of incorrect. 
When I asked the service desk for an escalation process, I was told they can not do anything about it. when I asked to be transferred to a XXXX, I was transferred to some person in the XXXX office, who was taking a cold call from me. I started all over about the issue with this person. He then read to me the notes from the offshore call center log.

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 2022-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Went to bank of America opened a account. Deposited and cashed a couple smaller checks. 
Took my check for my rent to bofa on the XXXX of the month to deposit in person. Teller said the check would be released in 3 buisness days. I was upset because I get charged late fees after the XXXX so 3 buisness days was on the XXXX. I also have car insurance and other necessities that I need to pay. They didn't even give me XXXX $ I for my gas or food or anything. The check in total was XXXX XXXX I have called multiple times to bank branches and sit on hold to get no help So I wait till the XXXX and check my account. They changed the hold date now till the XXXX at XXXX so actually the XXXX I will be able to pay rent.if.i don't get a pay or quite. I am charged XXXX $ and XXXX $ a day after the XXXX plus if I get a pay or quite on the XXXX or XXXX then I pay a XXXX $ in legal fees on top of all the late fees... I have no money rt now and that check was everything... 
I went into the bank today augest XXXX and spent a hour and got nowhere. They gladly cashed my XXXX $ check and I called the payee of the check and the check money has already been removed from the payers account on the XXXX. The next day after I brought the check in.. 

I have called the bank, spoken with supervisors, the only reason they put a hold in the first place is because of my appearance... The manager literally looked at me and looked back at the teller and shook his head yes and they held the check It is now the XXXX and I have spent hours trying to get to this point..

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act 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 an account without my written instruction.

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 2023-10-09
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I lost my job. Most of my credit cards ended up going to collections. My XXXX XXXX credit card was one of them. The balance at that time was {$1500.00}. It has been 7 years and Transworld Systems Inc is still attempting to collect on this charged off debt stating the amount as of XX/XX/XXXX is {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Conn's, 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: Old information reappears or never goes away

Complaint:
I'm filing a complaint against Conn Credit Corp. After reaching out on numerous occasions to resolve this dispute my letters were returned. In XX/XX/XXXX I rented a washer and dryer from the company and continued to make monthly payments until the account was paid off. Conn continues to report negatively late payments in XXXX and XXXX. I contacted them XXXX  months ago to request they stop sending me advertisements or flyers because I'm not interested in purchasing anything else with their company and they have not removed the late payments from my XXXX Credit Report. My account was open in XXXX and the last XXXX numbers of my account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have started to receive repeated phone calls from unknown numbers with area codes from around the country including Colorado, Florida, and Pennsylvania. No message has ever been left. I looked up one of the numbers and found that it was associated with Portfolio Revovery Associates, which I had never heard about. I dont owe any debt to them. Here is a list of the most recent calls with the phone number : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX and XXXX : the XXXX area code number XXXX and XXXX : XXXX XXXX : XXXX XXXX : XXXX There were more calls than this, but thats all of the calls that my phone history shows.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear : Equifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive applied for a home depot credit card over 10 times and there is no response from citi bank. a couple times they have responded with ridiculous reasons for not extending me credit. i have called the manager at the home depot store and explained it as well and they can justify them turning me down, indicating there is something else going on.

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 2021-12-10
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I sold this house in XXXX of 2019. We closed with XXXX XXXX in XXXX, Arkansas. LoanCare is still reporting this mortgage.

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 2022-10-19
Company: Experian Information Solutions 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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