BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied for Income based repayment plan and my wifes income was factored in but we pay separate bills. Student loans being one of them. My payment increase significantly and I was unable to afford it. When I called and brought this to the attention of Navient I was basically told " too bad ''. Now I am in default and I can not afford this payment and I have no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX a commercial lender named XXXX XXXX XXXX   inaccurately reported me being in collections and having unpaid balances on four commercial accounts my company has with them. They reported that these notes hadn't been paid when in fact they had and were never past 30 days. They put late fees on each of the four accounts and then reported them as 1 month term notes and hit my personal credit saying I had failed to pay and the accounts were closed and in collections. Neither of those statements were true. I filed a dispute immediately with Experian and just got notice that the accounts were updated. They still show all accounts in collections and closed which has negatively affected both my personal and business credit.

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 2021-08-05
Company: Alpha Recovery Corp
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:
XXXX XXXX  XXXX  has not removed themselves off my credit XXXX XXXX  has removed the original collection and now another collection company is bothering me via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Tate and Kirlin Assoc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notification from my credit report that an account was added that I have no knowledge of and that no written notice was provided. After checking all of my credit reports I see that this collection agency reported this account improperly on my report., My report also states that this debt was opened in XXXX XXXX, 2017, which is also incorrect. It appears they have illegally reaged this collection account on all of my credit reports which is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient keeps calling extended family members and those who have nothing to do with my debt. They have my address and phone number so there should be no reason to call family members. They also call my personal cell after XXXX XXXX and sometimes before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ALLY FINANCIAL INC.
State: NY
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:
To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ally Finance c/o GMAC Auto. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, 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 2019-05-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
RE:  COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX
                    FOR:  XXXX XXXX REALTAIL STORE CREDIT CARD ENDING:XXXX
HAD SAME ISSUES TWO TIMES:  I ALWAYS PAY BILLS ON TIME AND HAVE AN EXCELLENT CREDIT RATING.  COMENITY BANK IS DESTROYING MY CREDIT RATING.  PAID A BILL DUE XX/XX/19 $XXXX.   - I PAY MY BILLS DIRECT PAYMENT THROUGH MY CHECKING ACCOUNT WITH XXXX.  - PAYMENT NEVER WENT THROUGH.  I VERIFIED CORRECT INFORMATION.   GOT HIT WITH A LATE FEE.  NEXT BILL: NOW WAS $XXXX (LATE FEE TACKED ON TO $XXXX.  AGAIN, THIS WAS PAID ON THROUGH DIRECT PAYMENT XXXX CHECKING - SENT: XX/XX/XXXX, TO BE DELIVERED XX/XX/2019  .  AGAIN, COMENITY REFUSED THE PAYMENT, IT WENT BACK TO MY XXXX  ACCOUNT AND RECEIVED NOTICE THAT MY PAYMENT WAS: UNDELIVERABLE.  BEEN HAVING CONSTANT COMMUNICATION WITH COMENITY AND NO RESULTS - THEY WAIT TO TACK ON LATE FEES.  AS OF NOW, I SENT A CHECK IN MAIL TO COMENITY AND CLOSED THIS CHARGE ACCOUNT.    XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reported to Transunion that my identity was stolen and they still allow the charge for XXXX XXXX XXXX to remain on my report for {$180.00}. The charge does not belong to me. I have filed an official Identity Theft Report that included the collection of {$180.00} by XXXX XXXX XXXX, a company I have never had no dealings and no knowledge of. Attached is my official Identity Theft 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 2018-09-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has continuously called me for a debt that does not belong to me. Theyve left me several threatening voicemails saying that if I or my husband did not contact them they have to make a decision on his behalf that could have a negative lifelong effect on him. I have searched the legalities behind debt calls and have found that such tactics are illegal. I have asked them to stop contacting myself, my husband, and my husbands extended family regarding this debt but they have not stopped. I have the voicemails saved to prove these tactics that I am more than willing to supply if needed. I have also sent these voicemails to the XXXX XXXX company we are working with as well so that they have them on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX MN Credit Bureau Address City, State, Zip Code XX/XX/XXXX Dear Experian I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, ( 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 2019-06-17
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I had a credit card account with some company for ordering online ( think for clothing-XXXX? ). At that time I was employed. In 2016 I was forced to quit working due to XXXX XXXX. I waited until I was reahed age XXXX years and applied for Social Security benefits. Social Security is my only source of income. Some collection company called " Midland Credit Management '' has called me attempting to collect. The callers are foreign, English is horrible ( some guy named " XXXX XXXX ''. I swear this guy is from XXXX. He wanted me to give him my Social Security number over the phone. I believe this is illegal. I know they can not garnish Social Security income and I have no assets. State of Michigan may seek reimbursement for Medicaid provided to me upon my death. I feel I am being harnessed. Not good for my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A debt collector has been calling my family repeatably and has told them they are attempting to collect a debt from me. I never gave them my family 's cell phone number nor did I ever give them permission to contact anyone about my credit card. They called my family and my mom told them to stop calling, she said they called back on her phone 6 times the same day. The debt collector has been harassing my family and they should be fined for doing so.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.

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 2019-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX & XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX. 

In my first dispute with EXPERIAN their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. EXPERIAN an XXXX are reporting this company XXXX XXXX XXXX. 

Now EXPERIAN says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX  is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )

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 2021-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( 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. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Home Point Financial Corporation
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Home Point Financial and spoke with XXXX, ID # : XXXX in the Loss Mitigation Department asked if the payment was due for XX/XX/2020 since I had completed the 3 trial modification payments. XXXX told me that " he could not tell me I needed to pay or not pay XXXX note since i had received The modification agreement because it was due for XX/XX/2020. However, you have to pay where you live. '' I asked him to explain that to me because I was confused -- either I needed to pay for XXXX or not. The loan modification letter states payment was due for XX/XX/2020 so I was only trying to get clarification. He repeated this to me. I asked him if I could speak with a supervisor because I wanted to make sure that I was going to be okay with my mortgage. XXXX advised that a supervisor was not available and took my name and phone number and said it would 3-5 days  before a supervisor could call me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
in XX/XX/2019 my bill for {$430.00} did not go through when it was on auto-bill. i reached out to the company and they said they saw the draft try to come out of the bank but it was rejected. they never notified me of this rejection and gave me this late payment. i now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been repeatedly receiving calls from XXXX XXXX. The number is XXXX. 

I think I have spoken to these guys before and told them I have never had any credit card with these guys, but they keeping calling for some debt that I have no information about. 

It has been a little excessive lately. Sometimes the calls are coming from an unknown number. A lady called me very recently and left a voice message with a call back number and extension : Phone : XXXX Extension : XXXX Kindly step in and help. I do n't really know these guys and do n't want to waste my time with them arguing about something that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: CT
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 placed an order for a product costing {$60.00} on XX/XX/XXXX and paid using XXXX XXXX XXXX XXXX XXXX ; the item was provided from a Marketplace vendor and had a guaranteed delivery date of XX/XX/XXXX. I received an E-Mail from the company on XX/XX/XXXX informing me that the product wouldn't be in-stock for at least a week and asking me if I wanted to wait ; I thanked the company and cancelled the order. I did not receive the order. 

The charge for the product appeared on my credit card statement and I filed a dispute with the bank on XX/XX/XXXX. After nearly 2 months, the bank decided that there was no reason to reverse the charge and closed the dispute with he recommendation that I contact XXXXXXXX XXXX. XXXX XXXX said that they can't do anything because, 3 weeks later, the dispute is still open at XXXXXXXX XXXX. 

I can provide copies of all E-Mail communications if needed. 

I plan to file a separate complaint about 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 2018-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have challenged XXXX, XXXX and Experian about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have challenged XXXX, Equifax and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Paypal Holdings, Inc
State: MO
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 just received a notice that my pay pal account email was changed ( Saturday ) and to contact them if I didn't do it. Turns out they have no weekend hours to contact them.

Company response to consumer: Closed with explanation