BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my XXXX/XXXX  account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Transunion : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXXXXXX XXXX XXXXXXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120.00} XXXXXXXX XXXX XXXX XXXX : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 2023-09-27
Company: Navient Solutions, LLC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All student loans ( both XXXX and private ) that were on my account with Navient were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, Navient is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since XXXX XXXX I was notified randomly my account was being closed. 
I was given no explanation No infraction was imposed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my account in full for XXXX XXXX and XXXX and they agreed to remove it from my credit report but it is still on there as a collection and a charge off. Please help

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 2022-05-20
Company: EQUIFAX, 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this credit bureau over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following errors. 

XXXX. XXXX XXXX XXXX Account # XXXX THIS ACCOUNT IS REPORTED INACCURATELY! THE WHOLE ACCOUNT NUMBER IS MISSING AND ACCOUNT CONDITION " INDETERMINATE '' CLEARLY STATING ITS BEEN TRANSFERRED TO ANOTHER LENDER THESE TYPE OF INACCURACIES ARE UNACCEPTABLE AND I HAVE A RIGHT TO A ACCURATE CREDIT FILE.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps

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 2017-06-28
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:
My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on Experian is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.

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 2022-09-09
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We sold our house on XX/XX/2022. On XX/XX/2022 I received a call from LoanCare ( XXXX XXXX stating that the payoff for our house provided to XXXX XXXX XXXX in XXXX Texas was inaccurate. On XX/XX/2022 I received an email with a payoff for our mortgage that I had not requested. I contacted XXXX XXXX and spoke with XXXX XXXX who informed me that XXXX XXXX had made the request to receive the payoff via fax. She asked me to forward the payoff to her email- which I did. The payoff given on XX/XX/2022 ( which was good through XX/XX/XXXX ) by LoanCare listed a principal balance of {$160000.00} and an additional balance of {$8200.00} which was the down payment assistance we received through the FHA loan program. The call on XX/XX/2022 with XXXX from LoanCare stated that the payoff did not include the interest which was to be an estimated {$5600.00}. XXXX informed me that LoanCare could not accept the wire transfer from XXXX XXXX due to the payoff discrepancy. I contacted XXXX XXXX and spoke with XXXX XXXX. She spoke with her compliance department and called me stating that she had been directed to pay the original payoff given plus the additional {$5600.00}. She let me know that once this is done XXXX XXXX would send a judgment letter to myself and my husband to reimburse XXXX XXXX the {$5600.00}. 
When we spoke to LoanCare the week of XX/XX/2022 an employee confirmed that the payoff sent to us on XX/XX/XXXX was incorrect and the payoff XXXX provided which was good through XX/XX/XXXX was in fact the correct payoff statement. We were directed to the escalation department. They created a case number and told us this would be researched and we could reach out to them for updates on the case. We explained to them that since this payoff was generated by LoanCare they should accept responsibility for the inaccurate calculation and accept the payment from XXXX XXXX as satisfactory to pay off the mortgage. XXXX at XXXX XXXX told me that since the payoff was sent to my email I would be responsible. I reasoned with her that I did not request nor initiate sending the payoff to XXXX XXXX. LoanCare sent it to me by fault and XXXX at XXXX XXXX asked me to send it to her- not knowing that she should have made another request to LoanCare to receive it directly. Since the transcation has already taken place - the house has been sold and recorded with the state of Texas for XXXX weeks now, LoanCare should accept the payoff of the loan and the loss of interest and complete their portion of the transaction.

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 2022-09-09
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Opened XXXX account. Made several phone payments that were returned company citing " wrong account. '' XXXX XXXX and myself both provided company with bank routing, checking account number, and account balance to show all information provided was correct. This still did not correct problem. Payments could not be made via phone or online services. Several calls were made back and forth to correct the problem myself providing all the information requested. Problem still happening. Bank recommends having my financial institution submit payment on my behalf. XXXX XXXX agrees. XXXX XXXX still encountered payment processing problems. After several attempts and persistence from XXXX XXXX, a payment was processed to bring the account to close. However, T D bank wants me to pay the late fees that have accumulated over time and have also reported the late payments to my credit report due to a problem that resulted from their company. I don't think this is fair practice. I shouldn't pay for error and lack of knowledge of their clerks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, 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 information incorrect

Complaint:
On XXXX XXXX, XXXX I applied online for a XXXX Credit Card. On that same day XXXX Bank did a hard inquiry on my Equifax credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my Equifax report that my application would not be processed. I had also received a letter from Equifax stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my Equifax report and will only consider my application if I allow another hard inquiry. Equifax will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next XXXX years and I got no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: GREENSTATE CREDIT UNION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wanted proof that over drafted my bank account which i did not overdraft. Plus it was a business account that is not suppose to be on my personal consumer report. Plus they verified it and it company name is spelled wrong. So there are inaccuracies. So this must be deleted. 
As you can see it says XXXX XXXX. It was a business account that has nothing to do with my personal credit report. 
It is spelled wrong. Which mean by law that is was verified correctly and it so inaccurate to it my be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Had a 2 free interest card. Instead of making the payments to be completed at the 2 year mark, synchrony put the 30 percent interest on the card after 2 years to make my balance nearly doubled! 

When this came due I was in the XXXX  with XXXX and was not aware that the 2 year period ended. 

Who keeps track of what is due in 2 years! Especially during a pandemic! This is an intentional process by synchrony to double all balances with hidden excessive interest charges that are hidden behind so called interest free cards!

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 2023-09-26
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit reporting 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 and Apple Card- GS Bank USA refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. Apple Card- GS Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was working in XXXX XXXX and planned to retire on XX/XX/2020. I booked two XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges are not refunded after many phone calls and faxes to Chase credit Dispute XXXX XXXX, fax XXXX XXXX XXXX ). 

After the previously booked flights were canceled, we were anxious and desperately searching flights to go home. We noticed XXXX was accepting international flights. I booked two  XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges were fully refunded on XX/XX/2020. 

We finally booked two seats on one of US State Department arranged repatriation flights and arrived in XXXX on XX/XX/2020. 

After many calls to the Chase Dispute XXXX XXXX XXXX and faxes ( XXXX XXXX XXXX ), I am still denied to refund the XXXX to XXXX trip for 2x {$3800.00}. Please help! 

Best regards, XXXX XXXX XX/XX/2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I've been a member of the Navy Federal Credit Union since XXXX. 
On XX/XX/XXXX, I called Navy FCU to see if they could lower my interest rate of 12.94 % on my credit card since I've been consistent each month on my credit card payments. The representative who assisted me was named XXXX. She informed me she did a soft pull of my credit and the system denied my request. She was unable to inform me why stating it could be for several reasons. 
I was told in writing by the credit union that my credit score is XXXX and was thank for my consistent payment history. 
I informed them over the past few years, I've requested to have my rate lowered several times especially since I've taken all of the proper steps to increase my credit score, change my debt to ratio, and by making payments on-time. Why am I keep getting denied? The rep told me the system doesn't give them a reason. 
I emailed the bank several times requesting an appeal and to forward my appeal to the corporate or regional office. Each time a member responds with a vague answer such as you're not eligible at this time. I'm beginning to wonder how many others are treated like this? Is it because of my XXXX  they're refusing to lower my rate?! Do they deny other races that have a credit score of XXXX or higher. What other reasons would it be for consistently denying my case?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Maury Cobb, Attorney at Law, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt with the XXXX complaint # XXXX, but of course they take the side of XXXX XXXX. I did receive the service I paid for 4G LTE  they have a problem with internet connection on XXXX XXXX amongst horrible service and various other issues I had with them. 

I already disputed this charge with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now Maury Cobb Attonrey At Law LLC wants me to dispute. This is harassment. 

Why do I need to pay for service I didn't even get and I told XXXX XXXX? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, thousands of people complained finally XXXX XXXX  told me to turn off LTE  I called many many times to complain, but they say the have no re collection. That is not true! 

Yes, it did work sometimes, but I had to troubleshoot it all the time all around XXXX for it to even work since I had the XXXX XXXX XXXX I should not have to troubleshoot or just except the fact I get not LTE or Data connection when in XXXX, XXXX, XXXX, etc in the area. It's supposed to work 99 % percent of the time not hit or miss and make me work to fix the issue that I can't fix because it's beyond me it's a manufacture issue or technology issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation