BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # 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 2020-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America recently " updated '' their system " to better serve their customers. '' Part of this update, though, was not done to serve their customers, it was done to reduce customers ' savings on interest after making additional payments towards their principal. Prior to this update, when additional principal payment was made with a regular payment, the " principal curtailment '' was applied PRIOR to the regular monthly payment. This reduced the interest and increased the principal payment proportional to the additional principal payment for that month 's payment. Now, the principal curtailment is applied AFTER the monthly payment which makes the interest savings from the additional payment not apply until the next month 's payment. This is nothing short of a sneaky way for Bank of America to increase their bottom line. Just for my account that takes about {$7.00} out of my savings each month. Spread this across the millions of accounts Bank of America has and they are likely taking millions of dollars from their customers.

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 2019-09-11
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and XXXX is reporting that I was late 120 days. However Experian is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. Eperian and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. Experian and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :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 2019-09-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/19 i called citizens bank to close 2 savings and 2 checking accounts on  XX/XX/19. they said they could close 3 accounts but one had a debit that a  deposit was needed to clear. i deosited the money via eft while we were talking. i was supposed to recieve an email notice saying the accounts were closed. 

i called back XX/XX/19 to close the last of the 4 accounts and it had another debit which i then had to make another deposit to correct. also 2 of the 4 accounts had not been closed which they said they had the previous call. again was told that the 2 accounts were closed and i would recieve confirmation. 

called again XX/XX/19 and was told all accounts were closed but i still do not have any email or other confirmation from them that my accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Navient Solutions, LLC.
State: FL
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:
The amount that I borrowed has almost tripled. I'm confused on how my student loan balance went from XXXX to XXXX. I believe there is a gross mishandling on my student loans and now i owe a substantial amount that I can not afford. I need help in figuring out how it has gotten this bad. I wasn't clearly explained my options when my income was lower and pushed into forbearance. Now I'm in a big mess

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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: Problem with personal statement of dispute

Complaint:
Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( Equifax, XXXX and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am in the process of getting a mortgage and I do not believe I was ever late on this account. I certainly wouldn't be late during this process, especially during the final stages! 

30 days late in XXXX, and 60 days late in XXXX! 

How dare Victoria 's Secret report that, I have never been late, please look into the past payment history of the account! My only thought is that my statements never made it to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Service representing The XXXX XXXX XXXX. has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 Amount {$140.00} The XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: OH
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:
I took out {$49000.00} dollars in loans ( direct subsidized and unsubsidized ). I have fought with Navient to allocate my payments to ONLY the unsibsidized loans so I dont gain interest while I am in school and they keep applying evenly. This has led me to gain over 10,000 in interest plus all the money I paid to try to keep my loans at how much i took them out at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: NRA Group, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A formal dispute and validation request was mailed via certified letter to NRA Group , LLC dba National Recovery Agency on XX/XX/2019, requesting the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Whether NRA Group , LLC dba National Recovery Agency is licensed and authorized to collect debt in the District of Columbia. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

NRA did not respond with any of the information requested above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXXXXXX PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. TransUnion is reporting XX/XX/XXXX for the date this account was opened. However, XXXX and XXXX is reporting that it was open on XX/XX/XXXX. These dates are inconsistent. 2. In the Account Status sections of this listing. Transunion is reporting that it is a closed account. However, XXXX and XXXX is reporting that this account is Open. How can this be inconsistent? Please Delete! 

I understand that any inaccuracy reporting on an account makes the entire account invalid and must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XXXX SSN # 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 2021-05-28
Company: U.S. BANCORP
State: CT
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:
On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft ELAN FIN SVC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted information to all equifax about 3 bankruptcys on my report that were removed months ago and now have been readded as of today XX/XX/2018 there was no written notification again which i did not recieve! There is nothing on my account that ties these bankruptcies to me and they were deleted by Equifax, i was only able to find proof of 2 but all 3 were deleted!! Bankruptcy # XXXX, # XXXX, # XXXX. I would like for these to be deleted as soon as possible and a new credit report sent to me as soon as possible. This is very stressful and very woresum for me!! I'm in the middle of purchasing and for this to be added back to my account and they were deleted can cause all kind of problems! How am I able to trust a bureau with my important information. I worked hard for my credit and Equifax need to be more careful about what they are doing and how they are handling my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: NM
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:
Synchrony Financials credit card companies that support Amazon, Ashley Furniture, and Dicks sporting goods. I am building a dream home for myself and my family. During this process which we are about to break ground. My mortgage company was obtaining my construction loan, when we were told that my credit score had dropped due to me being marked late in XXXX of XXXX by amazon, ashley, and dicks sporting goods. I was not too happy because, I had paid all of them off in XXXX. see attached info. My accounts were basically closed and paid off at the time this derogatory credit comes up in XXXX. 

Let 's be truthful now, if you looked at my history, I lapsed on most of my cards at the end of XXXX because my mom was sick and eventually, she passed. I used all of my available money to fly back to see her. That's what put me behind, I paid them all off in XXXX and they were either closed by the creditor or closed by me. I don't care about my credit history in XXXX, XXXX, and XXXX. I chose not to pay them in order to do something else and that's on me. The ones listed in XXXX is a mistake and not on me. I have tried to call them and some of them say its the credit bureaus fault, all i asked for was a letter stating that it shows paid off my account in XXXX and the payoff amount. I even pointed out to the operators that the computer answering service said my account was at XXXX and I paid my cards off in 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 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2020-07-28
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2021-06-27
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and Experian and XXXX. This is hurting my credit report and need to be removed

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 2020-05-10
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I borrowed {$8000.00} from Sallie Mae. I have paid around {$4000.00}. My loan has been sold two times and now Navient owns my student loans. Navient claims I owe over {$12000.00} on the loan. This makes no sense. I called and offered to settle the loan for {$5000.00}. Navient told me " No ''. 
Navient has created a situation where I can never pay them off. I want to completely severe ties and no longer have this scam debt. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2011, after numerous attempts, rejections and after reaching out to them numerous times ( XXXX XXXX ex XXXX ) I finally threatening to take the matter to court and was able to secure a MHA Loan Modification ( acct # XXXX ). At the time, I was in a negative amortization loan with Chase that was going to recalculate, the housing bubble popped and Chase had taken away my line of credit, so I was in fear of losing my home. The person who helped me with this loan ( a real estate broker ) assured me that there would be no deferred interest. It was unclear to me at the time that there would be a balloon payment ( deferred principal balance ) and interest thereon at 2 %. The " New Principal Balance '' and " Deferred Principal Balance '' were absolutely confusing and unfair. 
My business has fallen off greatly ( especially after the Thomas Fire ). I am XXXX years old and unable to work as I have done previously. So once again, I am in fear of losing my home.

Company response to consumer: Closed with explanation