BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
due to the horrific covid19 virus and the severe loss of jobs and/or income, i sadly speaking have been affected by this impact as well! 

i did get approved by JP Morgan Chase Bank to participate in their program where they agreed to allow ME to defer the mortgage for 3 months ( 90 days ), but what is extremely cruel, sad and inappropriate is due to the Fact that after the ( 90 day ) period, the bank is expecting the home owners to cough UP all of the money for the ( 90 days ) and pay them back ALL AT ONCE! 

this is a very Poor Business Tactic and it is extremely offensive, uncalled for, unprofessional, ridiculous and Just Not Fair and Not Right! 

i am still suffering by the way! 

By Right : they should be adding on the ( 3 ) Deferred Payments To The End Of The Loan AND Modifying Those Such Loans such as MINE Automatically With A Guaranteed, Lower, Fixed Monthly Mortgage And Interest Rate At Least For 5-10 Years That Is Still Guaranteed To Go Down Every Month Like It Has So Far! 

Moving Right Along : i did hear that they Can Offer A Modification which would be a Fixed Lower Mortgage Payment with a Fixed Lower Interest Rate for the Life Of The Loan and that Would Have Helped because I could probably ask one of my close relatives to HELP ME out somewhat with MY Mortgage. 

it just seems like the bank just wants ME to Lose My Home and i sincerely hope that that is Not The Case! 

for your information : my Loan Number with JP Morgan Chase Bank is : Loan Number : # XXXX thank you. 

sincerely yours, XXXX XXXX XXXX XXXX JP Morgan Chase Bank Customer For Over 10 Years +

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: AR
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 informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: MS
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries 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 2017-08-11
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a XXXX, cancellation of debt, form from Macy 's in XXXX 2017. Stating that the debt in the amount of {$750.00} has been discharged. I contacted XXXX 's and they explained the form so I offered to pay it and they stated that they can not accept payment due to the statue of limitations and them writing off the debt with the IRS. I then pulled my credit report and noticed that the amount and past due amount was listed {$1000.00} on all three credit bureaus. This is incorrect due to it 's either {$750.00} or {$0.00} due to the attached form which clearly states cancellation of debt. I disputed this item with all three bureaus and they stated the information was verified by Macy's/Citi. I then called them again and it seems that I keep getting the run around. This item is still on my credit reports as of today. I called Macy's/Citi and spoke to representative number XXXX and she stated the same thing that the rep stated in XX/XX/XXXX. So my point is if you wo n't accept payment because you received tax incentive and it is past the statue of limitations, take the balance to {$0.00} or delete it. This has really affected me. The FCRA states that the creditor is responsible for accurately reporting to a credit reporting agency or they must pay. Macy 's is breaking the law by inaccurately reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX XXXX, On XX/XX/2020 Citi was paid {$35.00} and I have proof.. Now they are telling me that that payment is over due and are billing me {$29.00} late fee. When I call them, they just give me an automated system to " collect the debt '' I've even chatted on line with no help. They do not let me talk with a " liver '' person and I'm over it. I have sent them a letter & copy of payments and a check for {$260.00} and told them to close my account They have really caused me a lot of stress and time. I would like for them to be stopped. 

Sincerely

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 monetary relief
Consumer complaint received 2015-12-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My original loan servicer Aurora XXXX settle their wrongful behavior and the damage to families had been done. My current Mortgage servicer, NationStar has increased my interest rate to 4 %. My loan modification says my payment should be about {$2900.00}. It is more like {$3900.00}, which is back to why I needed the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today XX/XX/2020 at XXXX EST a collection agency named Nationwide Recovery systems called me to collect on medical  debt. When I requested written verification via US PS, I was told that if they had to mail out a letter to me that I would owe the entire debt. I told him if I did not have verification there was no way to know if the account was even mine. On top of that they stated the tea collection was from five years ago. This is past the four year mark for Florida and they are not supposed to be contacting me about this debt per the Florida State statutes and 95.11. 
I have attached proof of the phone call from today in the uploads.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I submitted a Borrower Defense Application in 2016 to to discharge my loans. I am always told that my application is being reviewed. Since 2016, abundance of interest has accrued. The balance owed is over {$220000.00} for a XXXX I never received from XXXX XXXX. I have asked Navient to forgive these loans due to hardship. But always told the loans will be deferred, yet interest is accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}

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 2020-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I received a letter from Harris and Zide representing XXXX XXXX. The original creditor was XXXX XXXX bank but sold to XXXX funding. The letter stated they were processing a lawsuit to collect the amount of {$950.00} and to contact them immediately. I contacted them and spoke to a representative by the name of XXXX. I informed her of the letter and let her know I wanted to set up arrangements. She asked me what I could pay and I stated {$25.00} a month. She advised me that they could not agree to that amount but I could send the money but that would not stop the lawsuit. I told her I would follow up later. The next day I set up payment arrangements with a guy named XXXX in the amount of {$56.00} a month until the balance is paid off. I asked for the agreement in writing and was informed that I would receive a stipulation with the agreement and to sign and send back. Weeks went by and I followed up on the agreement. By then I made 2 payments. They gave me the run around and said that I should receive it soon. I asked to speak with a supervisor. The supervisor 's name was XXXX. She faxed me a written agreement of the payment arrangement. On XX/XX/XXXX, I received the stipulation with a different amount owed of over {$1300.00}. This amount was never disclosed to me in any of the previous conversations and it is not the correct balance reported on my credit report. The agreement they sent me stated I owed {$950.00}. I do not deny the balance of {$950.00} but they can not collect on more than what the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX  XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, 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 closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX XXXXXXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX  Receipt # XXXX filed a resolution document with XXXX XXXX and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. Equifax and XXXX have not. I think I provided enough information and justification to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Square Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/XXXX, I tried to make a purchase using my cash app card and my card was declined. I contacted cash app support to find out why my card was declined and while I was on the phone with cash app support they removed {$2100.00} from my cash app account and money from my personal bank account that was attached to the cash app card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: GREAT LAKES
State: CA
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:
In XX/XX/XXXX I was contacted by a third party ( did not know they were a third party at the time ) advising me they were from the Dept. of Education and were dealing with my student loans directly. 

I was told by the gentleman on the phone that I qualified for an income based program administered by the Dept. of Education which would allow me to make 3 payments of {$260.00} and all subsequent payments until XX/XX/XXXX would be deferred upon reevaluation of my income. 

I was obviously skeptical and questioned several times asking to confirm he was in fact from the dept. of education and after seeming to be trustworthy, I was convinced he was there to " help me '' I submitted my 3 payments and assumed I was clear from having to pay anything further until my next evaluation period. 

It wasn't until a few days ago when I noticed my credit score took a complete nosedive that I realized I was in default of my student loans - which I did not want. I contacted my student load servicer and was informed I most likely was contacted by a third party stating I qualified for a program through the Dept. of Education when they in fact weren't and the funds I submitted were not used towards paying down my student loan dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: UT
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 had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I'm being brief but my credit score has drastic changes in the negative direction but is extremely slow to recover. In most if not all cases I pay several times the minimum bal due and always on time. Most recent a 60 Pt. drop and the reason is a XXXX increase bal. on a XXXX card that is the whole bal on the card. In addition I just paid XXXX on that card to bring that down well below XXXX it is a new card as well I just paid XXXX on XXXX XXXX and XXXX on XXXX XXXX  ..dropped my bal days ago by XXXX!!! so they crank it down to slowly bring it up again always keeping me at a higher rate..point is MY CREDIT IS FINE.. WHY AM I BEING TARGETED TO HAVE A MARGINAL CREDIT SCORE AND THE AGENCYS ARE REPORTING INACURATLY!! WHO ARE THESE PEOPLE!! now I have called before only to be told I need a credit counselor with a very rude reply. there is no way a persons credit can drop so fast. IF the agency report inaccurately what can be done. I worked hard on keeping my score good and this is just a bunch of 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