BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX Account numberXXXX routing number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I used to have a credit card from them when I called about too many complaining in my credit card they close my account. And they charge me a lot of fee. XXXX My Social Security 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 2021-07-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires 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 2017-09-04
Company: Navient Solutions, LLC.
State: CA
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:
We took out a Parent Plus Loan from Navient for our daughter to attend XXXX. She graduated in XXXX, XXXX so the payments started in XXXX of XXXX. We make ( 2 ) payments every month : 1 ) {$1700.00} for our portion of the Parent Plus Loan and 2 ) {$300.00} for a student loan our daughter, XXXX, took out to close the gap. 
We make the payments every month and we pay more than is required. 
In the twenty ( 20 ) months that we have been making payments, so far Navient has 1. Lost a check for {$300.00} even though BOTH checks are sent in the same envelope every month and 2. Did not credit our XXXX XXXX payment of {$1700.00} to our account even though they did credit the {$300.00} and, again, BOTH checks are sent in the same envelope every month. 

Fortunately, because we had gotten ahead on the {$300.00} payments ( Navient sent two invoices within the month of XXXX, XXXX for the same payment so we just made the extra payment to make sure there were no problems ), the only consequence of losing the {$300.00} check was that we were no longer ahead on the account. 
In the case of the missing {$1700.00} credit, I called Navient when I noticed that the invoice we received showed the account as Past Due. After waiting on hold for nearly 20 minutes, the Navient representative told me I would have to fax over a screen shot of my bank account showing that the payment had cleared. Because Navient does NOT actually cash checks but uses the checks for electronic withdrawals, there is NO cancelled check for me to send to show the payment had been made. As of today, I have not heard anything back from Navient as to the status of my account ( this was done on Thursday, XXXX/XXXX/XXXX ) so I will have to call them again tomorrow to make sure the payment has been properly credited. 

Clearly Navient is a sloppy company that is raking in billions in student loans. In only 20 months of payments they have made 2 very careless mistakes. Something needs to be done to hold their feet to the fire and make sure they are servicing these loans in a responsible matter. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2020-12-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I logged into my BarclayCard American Airline Advantage card yesterday ( XX/XX/XXXX ) and saw that I was 30 days + past due, was reported 30 days late to the credit reporting agencies, assessed 2 months of late fees and I never received notification about this from any communication method. I immediately scheduled a payment online to bring my account up to date and set up auto pay, which I had turned on before, but apparently they must have turned off. I routinely pay this account 1-2 times a month, about $ XXXX each billing cycle. It seems odd and deceptive, and abusive, that the credit card company did not contact me. I have never been reported late on any account in my 23+ year history and fear I, like many Americans, have been unfairly discriminated against and taken advantage to support this type of corporate greed. I have sent a letter to the Billing Disputes department ( XX/XX/XXXX ) and plan to also send to the customer complaints department and office of the CEO. As a result of this action by Barclay, a credit card account I had with XXXX  XXXX XXXX for 23+ years was just closed on XX/XX/XXXX. In a time where Americans need financial assistance due to one of the most challenging economic recessions and pandemic we have experienced in US history. I am seeking your help as an American and a Consumer that is asking for our government to protect my rights and not be a victim of corporate greed.

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 2022-09-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
APPEALING FOR TRIAL MODIFICATION ON XXXX XXXX XXXX XXXXXXXX MAKING A FALSE CLAIM THAT I HAVE EXCESSIVE DEBTS WITHOUT PROVIDING ANY PROOF DESPITE MY REQUEST ON XX/XX/XXXX XXXX 2022. I PROVIDED PROFIT LOSS PTOOF OF GROSS {$6000.00} MONTHLY {$5000.00} COMBINED NET INCOME OF MY PRIMARY HOME RENTED ( XXXX XXXXXXXX ) PLUS 2 INVESTMENT PROPERTIES ( XXXX XXXXXXXX ), EXCELLENT CREDIT, NO CAR DUES OR ANY EXPENSES WHILE IM LIVING AT MY PARENTS WITH NO OBLIGATIONS TO PAY BILLS, AND {$35000.00} IN BANK SAVINGS. STILL BANK REFUSING TO TRIAL MOD MY LOAN TO FORECLOSE PUTTING ME AND MY FAMILY IN HARMS WAY. I WISH TO KEEP MY HOME COVID19 DISASTER IMPACTED ME BUT IM READY TO PAY MY {$2400.00} MORTGAGE TIMELY IM USA XXXX VETERAN AND I ASK FOR MERCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX/XXXX XXXX   on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on my credit 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 2019-07-19
Company: Experian Information Solutions Inc.
State: OH
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 was a victim of Fraud and I need to know if XXXX XXXX XXXX # XXXX has a copy of the contract that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of Education and XXXX XXXX XXXX. I dispute this account the following account as not being accurate : US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX , US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION/XXXX # XXXX , I will be contacting the Ombudsman Group with a request of the proper information on file. I need the credit bureaus to inform all the listed companies to CEASE AND DESIST all collections until the proper information is provide. I have no way of knowing which accounts are legitimate without the documentations of 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 non-monetary relief
Consumer complaint received 2022-09-02
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-02
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I need to dispute 4 charges made with my debit card ending in XXXX. 
The seller never sent the items, never provided any kind of delivery information or tracking number, also never answered the emails and phone calls 1 : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXXXXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXXXXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, it was a XXXX XXXXXXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX Until now I have not received the merchandise from the seller.

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 2017-09-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX because they agreed to remove these transactions they are now along with XXXX XXXX and XXXX in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a " Cancellation of Debt '' 1099-C form for XXXX  taxes. From XXXX California - Hyundai Motor Finance Co. 
Submitted a complaint to credit bureau and they will not change credit report to not report this as a negative item. Credit bureau said Hyundai is keeping it on my file.

The debt is cancelled so why am i being negatively impacted by an item that is cancelled. Hyundai should not leave a negative item for nonpayment on my file when they sent me 1099-C that i had to report on my taxes. Debt is paid.

My report Id number for the report from the credit bureau is XXXX - XXXX I am being penalized for a debt that is paid even by Hyundai understanding.

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 2018-11-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Home Depot credit card through CITI bank. Home Depot says they provide " everyday financing on purchases over {$290.00} 6 months no interest ''. After opening the account, Home Depot/CITI sent me a 10 % discount coupon. On XX/XX/XXXX, I made a purchase on my Home Depot CITI card for {$1100.00} and I used the coupon. No where on the coupon does it say that you don't receive 6 month financing if you use the coupon, and no where on the " everyday financing '' emails does it say a purchase doesn't qualify for financing if you use a coupon. 

I called CITI and requested that they allow 6 month no-interest financing on the purchase butthey said they won't budge.I asked them to point me to the terms on the coupon or the financing promotion that says " no financing if you use a coupon '' but the representative could not. I opened the account for the purpose of the financing and I used the coupon which was given to me by Home Depot/CITI after opening the account. This practice is a fraudulent trap, to give someone the coupon after opening a " no interest financing credit line '' and disallowing the financing if you use the coupon they just gave you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX  XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2018-11-26
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Chase Bank XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX I never had service or contract with company. I report this issuee in XXXX  but couldnt fix it. 
Factual Data Inquiry from XX/XX/XXXX I didnt finish with this application

Company response to consumer: Closed with non-monetary relief