BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.

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 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

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 2023-01-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife passed away XX/XX/2022. She was the authorized owner of a Barclays credit card, which I was an authorized user. I notified Barclays that she had passed away, and they immediately closed the account, and with that move they also kept over XXXX travel miles. In a subsequent conversation with Barclays, they told me that I was not responsible for the debt. I challenged the debt showing up on my credit report and they removed it. 

Last week I discovered that they had been making ACH withdrawals from MY Account and have withdrawn at least {$9000.00} since they closed the account. I stopped payment in XXXX and immediately call Barclays. They said they could not talk to me ( I assume because I am not the responsible party ) and that they would notify me by sending a letter to my deceased wife with in XXXXhrs. 

Today I received a letter from XXXX notifying me that they had suspended my account and would not process any other ACH withdrawals. So I am left with setting up new automatic payments to the numerous legitimate vendors.

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 2023-01-10
Company: Navient Solutions, LLC.
State: MD
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:
When I took out this Parent Plus Loan in 2007 with Sallie Mae the amount was {$33000.00}. The interest rate was 8.500 %. During the course of the loan I had to do a Forbearance and sometimes a deferment a few times on this loan. I was not aware that the interest would keep accruing even though the payments had been postponed for a few months. Navient is now the carrier of this loan. My payments are now over {$800.00} a month ( which I can not afford ) and the interest has now brought my loan to {$110000.00}. I've made payments on this loan but the payments were not close to {$800.00} a month. I called Navient several times to discuss this outrages amount of this loan and I was told that because this is a Parent Plus Loan that there is nothing they can do for me. So I kept sending small payments which now I found out that it really was not worth it because only {$1.00} was going to the principal and the other amount was going to interest. To sum this all up, I will NEVER be able to pay this Predatory loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: KS
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 have circled page 3 and page 4 of the attachment and XXXX XXXX XXXX must be removed because they admit they are unsure and cant validate the XXXX being reported. My monthly payment is not XXXX either

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 2023-01-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
ALLY FINANCIAL threatened a Non-Citizen XXXX of the XXXX ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) and/or Internationally Protected Person ( 18 U.S. Code 112 ) to unlawfully steal my private property knowing that they violated the CONSUMER PROTECTION LAWS and united states codes : 1 . Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

2. Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

3. Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

4. CFPB 1026.23 Right of Rescission ( cancellation ) / 15 U.S. Code 1635 - Full Disclosure of everything especially the specie of money you are demanding. Federal Reserve Note is a promissory note. 
Do not defraud anyone. ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. Constructive XXXX, as well as actual fraud, maybe the bases of cancellation of an instrument. ( XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) ). 
XXXX. A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
XXXX. A debt is not paid by the giving of a note. ( XXXX XXXX v Maryland XXXX, XXXX. Supp. XXXX ). 
XXXX. XXXX CFR XXXX ( a ) - High Rates/APR due to bad credit and/ or other criteria. 
Do not demand interest on a loan. ( XXXX XXXX ) ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
10. 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 18 U.S. Code 242/ 18 U.S. Code 1349 - Destroying my reputation due to reporting negative reports without my consent to fake credit bureaus such as XXXX XXXX XXXX XXXX and XXXX XXXX I want you to change it from Negative to Positive/Good report and submit it to XXXX, XXXX, and XXXX as fully paid. Positive report is required to leave as-is 11. 18 USC XXXX XXXX Amendment - Depriving my liberty as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process.

12. 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge.

13. 42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history. 
XXXX. Practice of law can not be licensed by any state/State. XXXX XXXX XXXX XXXX XXXX of NM XXXX XXXX pages XXXX, XXXX - Lawyer, Attorney, Judge, or anyone helping you legally are not licensed and shall be punished by law in full extent for pretending ( 18 U.S. Code 912 ) and for fraud ( 18 U.S. Code 134 ). Full Disclosure of everything is a requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Here is another account that is reporting incorrect information XXXX XXXX is showing a 30 day late on XX/XX/19 also another 30 day late on XX/XX/19 how is this possible?? XXXX is showing a 30 day late on XX/XX/2019 then a 90 day on XX/XX/2019? XXXX is showing a 30 day late on XX/XX/19 XXXX is showing 30 day on XX/XX/19 then a 90 day in XXXX How is this Possible each agencies is showing different late payments on different Month? I have disputed this account more than 15 times with the reporting agencies and Guess what They say citi is verifying this information correctly I'm sick of the games that you and the reporting agencies play please delete this account ASAP as the information is incorrect fcra states that credit reports must report 100 % accurate The law is very clear as to the Civil liability and the remedy available to me I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2019-01-11
Company: Navient Solutions, LLC.
State: IA
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:
All the amount of loans were not correct, when I was a student I was working two jobs, am sure did not take these amount of loans. They had been reported wrong and overcharging. I saw all in the news from 2005  there was a lawsuit against the loan server. Still, there were so many lawsuits all over the USA, against them, for misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2022 i make One loan online for $ XXXXwas deposit a my account, my XXXX was recibe status payment for the Mony was deposite inXXXX, XXXX  my loan was for {$500.00}, i begain make payment payment every two weeks for {$170.00} today XX/XX/XXXX i make payment for {$1200.00} is over paid and now my due is {$1600.00} my due for One loan for {$530.00} is {$2800.00} mas {$170.00} my Bank no paid total the Mony is {$3000.00}. Is normal This fraude i need solution for this company. an stop Charges a my Bank for this fraude payment.Company Makwa Finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Bread Financial Holdings, Inc.
State: RI
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:
So I discovered about this Comenity BankXXXX Credit Card which was charged due to missing payments on my XXXX XXXX. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have XXXX active credit cards which are on my report and in good standing. This charge needs to be taken off from my XXXX XXXX as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on XXXX to which I can call to. I have already filed dispute with XXXX  which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.

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 2019-06-01
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2017 after being a loyal customer of XXXX for 14 yrs I decided to cancel the account and switch to XXXX streaming. I sent the equipment back via XXXX as instructed and upon receiving the final bill, I called them direct and paid in full on the phone. 
That payment was made on XX/XX/2017 on my debit card and it shows as paid on my statement along with directly speaking with the bank to verify. 
Now almost 2 yrs later I received a notification on XXXX that there has been a collection activity on my account re XXXX. 
I contacted the collection agency RPM XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX representing XXXX, tried to tell the representative that not only do I not know what this is all about but that my account was in fact settled in full upon cancellation. 
They not only refused to listen to me, they were straight out abusive telling me that they dont care about what I say and that I had 30 days to dispute this and now its my debt. Again, since I canceled and settled this account in full back in XX/XX/2017 I have never received any correspondence from either XXXX or this collection agency. 

Im turning to you for help because I dont know what to do.

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 2021-11-03
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX  XXXX on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a refinance mortgage with Quicken Loans Inc on a condo unit I owned in XXXX about two years ago. I was making a payment of {$620.00} a month. On XX/XX/2019 I received an email notifying me that my taxes on that property were paid, which was odd because I always receive the bill from the City and pay my taxes. I contacted Quicken Loans via email and they told me that they received an undelivered mail from the city that prompted them to establish the escrow on my account and pay the taxes and also increase my monthly mortgage payment. I told them that bill must have crossed in the mail and I also told them that I went ahead and made the payment in full on the taxes on the city website. I provided them the receipts of the payment via email as asked them to removed the escrow as it will mess up my online banking. I provided them the contact number of the City of XXXX and told them that the clerk confirmed to me that Quicken could verify my payment with a phone call. All they need is the account number associated with the property. They got back to me and said they could not do this and the escrow will remain on my account because they have the right to establish it. I asked them to put my account in dispute and to provide me with the proof that they have the right to establish an escrow account and increase my monthly payment without my knowledge but they never did. I also ask them to provide me with the agency they use for arbitration but they got back to me and said there is no process to dispute this via arbitration or any other way. A few weeks later I started to receive late notices stating that I was delinquent on my loan even though I was making my regular $ XXXX monthly payment 30 days in advanced and I have never been late. This payment was automatically setup from my bank account to go 30 days before the due date and it is still going out every month. 
I tried several channels including calls, emails to try to resolve this issue but no one at Quicken seems to make any effort to resolve this issue. Quicken has been reporting me as delinquent every month since XX/XX/2019 because of the shortage from the escrow account they established. My credit score dropped more than 100 points when Quicken started to report me as delinquent. They also keep charging me every month a late payment and sending me notices of foreclosure on my condo.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: GA
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 looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my 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 non-monetary relief
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.

Company response to consumer: Closed with explanation