BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: MN
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 hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital one bank has not fully resolved my dispute against XXXX XXXX XXXX. I disputed charge of {$1300.00} that was purchased on both of my capital one credit cards on XX/XX/2018. The card ending in XXXX was charged {$1000.00} and the card ending in XXXX was charged {$300.00} for a furniture warranty that I purchased at XXXX XXXX to cover any damages to the furniture etc. One of the dressers that I purchased has been falling apart as well as several of the other furniture items and I contacted the merchant and requested that it be fixed under the one-year manufacture warranty/ After going back with the merchant several times ; they were not willing to fix the damages so I contacted the XXXX XXXX to go over what the warranty policy was and if I can get the furniture items fixed since I purchased a 5 year extended warranty, but i was told my issue was not covered, so I Disputed the charge with capital. I provided them the receipts as well as the contract with the merchant and the warranty company I also forwarded emails of all the attempts that I made it to the merchant to resolve it prior to the dispute and also pictures of the damaged furniture. it has now been several weeks I have not heard back from the bank and these charges were put back on my credit card which I am now responsible for the interest rate and any fees applicable to these charges I am very unhappy with the way capital one bank has done With my dispute they have not been accommodating they have not been resourceful and they have not contacted me and made a true effort and resolving my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had all my loans consolidated with the Department of Education many years ago. Everything has been just fine and I've been making monthly payments all this time. 

Two weeks ago I receive a call from a company called Radius Global Solutions ( formerly XXXX XXXX XXXX ) they said that I owe money to a school called XXXX XXXX XXXX. I told them I never attended a school by that name. She started to ask me personal information such as my social security number. I told her I didn't feel comfortable processing the call because I felt it was scam. I haven't been in school in over 12 years and there is no possible way I owe any school any money because everything is consolidated. She said it was a in-house loan with the school for {$1500.00}. I asked her why I am just now being contacted over 12 years later. She did not have an answer for me. 

Two weeks later I got a letter in the mail from Radius Global Solutions. They are offering me to pay {$1100.00} to completely close this loan for a lesser price. The fact that it took two weeks for the letter to come was fishy to me too. 

I looked into who the Creditor was XXXX XXXX XXXX. They own a lot of schools around the country. I attended a school called XXXX XXXX School in XX/XX/XXXX. I did not complete the course due to unsatisfaction with the school. Almost all of the students were unsatisfied and the school ended up closing just 9 months later. The building stayed abandoned for some years. Many years later a new school was put there called XXXX XXXX. XXXX XXXX is listed as one of the school 's on XXXX XXXX XXXX 's website. So I'm assuming this has something to do with XXXX XXXX School.

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried numberous of times to resolve this issue with capital one and late payment forgiveness. My grandfather XXXX XXXX  XX/XX/2017 and I had to do all XXXX arrangements alone and all expensive. As a single mother of my XXXX years old son that I still have to take care of. I called capital one and informed them of my issues to see if they can give me extension for this payment during my hard times, representative stated do not worry we will take care everything once your grandfather is XXXX XXXX XXXX They did not take care of the issue but instead reported me 30-60 days late. I been continuously paying my capital credit card on time still today. I been reaching explaining I only felt short one time and I be paying good before and after this issue. Can you please give me a me a chance since I been a loyal client and remove the late payment. Everyone decline. This issue is affecting me tremendously and I have a son. I can get a apartment and I need to move because its showing delinquent account. Everything revolves around credit and its affecting me. Please I need help and want this resolved. 2 bureaus have me reported late in XXXX and the other in XXXX so I know thats an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Plaza Home Mortgage, my loan servicer, bought insurance on my behalf last year for no apparent reason. I own a duplex that had insurance with XXXX through a reputable broker, XXXX XXXX. I do not have impound accounts. It was the same insurance I had when I financed the property, nothing had changed, they just bought insurance for me for no reason. I received a letter from Plaza Home Mortgage XXXX of 2019 saying that they were charging me for this insurance. 
I immediately contacted Plaza Home Mortgage with a copy of my policy, but they sent me a letter saying because the address on the policy was only half of the property address it was not valid. I contacted my insurance broker and XXXX and both send Plaza Home Mortgage a copy of the policy, that it covered the whole dulplex, and the main insurance brokers copy of the policy that we provided had both addresses. 
They still charged me month after month, I had my broker send emails and faxes month after month. I am still having to pay for this. 
Plaza Home Mortgage refuses to let anyone speak with the people who review the insurance, every month they just open the case and close it. They now owe me HUNDREDS of dollars. 
They are stealing from me. Please help, they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Someone opened up ac account with XXXX in my name. This was fraud/ID theft. I saw a hard inquire pulled in my name in XX/XX/XXXX. I called XXXX immediately and told them to cancel the account, this was fraud. They replied that they would handle it and I put the issue to bed. In XX/XX/XXXX, XXXX reported to Transunion that I had an account past due of {$2200.00}. I contacted XXXX and Transunion. After many hours and repeating my issue, they took off the derogatory mark of the amount due of {$2200.00}, but the hard inquire is still on my 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 2021-02-04
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:
On XX/XX/2020 my car was broken into around XXXX XXXX, and my purse along with other belongings were stolen. I had 7 credit cards- 1 being with Chase freedom unlimited. Around XXXX XXXX I called Chase to report this and was told I had one fraudulent charge at XXXX  for {$500.00} and it looked like a gift card purchase. We promptly cancelled the card and I was issued a new one a week later.The charge was taken off and I received an email shortly there after stating that the charge was proven fraud and was removed. On XX/XX/XXXX I made a credit card payment and found everything to be correct regarding my balance. I went into the app again on XX/XX/XXXX to make another payment, and saw 6 more duplicate charges on XX/XX/XXXX for {$500.00} at XXXX that posted on XX/XX/XXXX to the former credit card number ending in XXXX. I called and was asked to provide a police report by email to the fraud dept which I did promptly the next day on XX/XX/XXXX. I was also told by XXXX XXXX that the charges were all made at the XXXX  on XXXX XXXX in XXXX XXXX in person between XXXX and XXXX. After 8 days of submitting these documents, I was continuously given the run around and was told that my fraud claims were denied, even though the initial charge was proven fraud at XXXX and all others being clearly related to each other. I was then told I needed to go to XXXX and try and obtain footage of the incident and send that information in and obtain another police report and attach the XXXX  footage to it. This is absurd. My 6 other credit cards gave me no hassle, and Chase makes it impossible to obtain any resolution.There are laws and stipulation that state if these types of incidents occur we as consumers are covered. This is theft made by Chase if I am responsible for {$3500.00} worth of charges. Why did the additional 6 charges not post until 4 weeks later? Why was the information I gave good enough to remove the first charge and not the others? This behavior on Chase ' part is abhorrent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from 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 2019-10-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has posted that my account is more than 90 days late. This is incorrect and far from the truth. I have attached payments made to my account over the past 90 days. I will also be contacting an lawyer due to this miss information.

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 2020-05-22
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX I CALLED EXPERIAN TO DISCUSS A NEGATIVE ACCOUNT FROM STATE OF MD XXXX XXXX XXXX  XXXX. THIS WAS DISPUTED IN XX/XX/XXXX AND THE OUTCOME WAS IT WAS REMOVED BY XX/XX/XXXX.THE CREDIT BUREAU REFUSED TO HELP ME AND SAID IT HAD TO BE RE DISPUTED AND NO REMOVAL OF ANY KIND WAS DONE ON THEIR END. I HAVE THE REPORT WITH THE DISPUTE ON MY CREDIT REPORT I WILL FORWARD IN A PDF FILE. AND I ALSO HAVE THE REPORT WITH THE REMOVAL IN PDF. I PAY MONTHLY FOR MY FICO AND NOTICED ON XXXX/XXXX/XXXX REPORT EXPERIAN ADDED A DELETED ACCOUNT BACK WITHOUT SENDING ME THE 5 DAY INSERTION LETTER. I DISCUSSED THIS WITH XXXX AT EXPERIAN ON XX/XX/XXXX AFTER SEVERAL ATTEMPTS TO DISPUTE ONLINE FAILED. HE REFUSED TO DEAL WITH THE ISSUE AND AFTER READING THE VIOLATION HE REFUSED TO ACCOUNT FOR THE STATUS AND ENDED THE CALL. I HAVE ALSO SENT A 5 DAY REINSERTION LETTER TO EXPERIAN. I HAVE ALSO INCLUDED THE VIOLATION THEY VIOLATED 15 u.s. Code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii )

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 2020-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to have a Tenant ( Ms XXXX XXXX ) who opened an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and this Tenant passed away last year. I've been receiving multiple letters in my address every single week trying to collect the debt. I do not owe, the bill is not mine, I already sent 2 letters to Synchrony Bank requesting my address to be removed from this account and they continue to do so. I just called Synchrony and spoke to XXXX, who refused to handle the issue. I asked to talk to a manager and the manager refused to talk to me, XXXX refused to provide the manager 's name. This is absurd and is my privacy being affected.

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 2021-02-04
Company: U.S. BANCORP
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I entered a forbearance plan due to loss of income. My original payment was {$680.00}. In XX/XX/XXXX I called the mortgage company to try and set up a plan to start paying my mortgage and they offered extending my mortgage from a 20 year to a 40 year and the payment was {$830.00}. I asked why and they added in escrow. I told them I never escrowed in my mortgage and they said they would try to figure out the problem and call me back. I have never received a call back and I have tried calling them and I sat on hold over 45 minutes. I also sent an email and had no response. My forbearance has been extended to XX/XX/XXXX and I can not afford their offer. I need help getting the escrow 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 non-monetary relief
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to apply for credit cards and seen new inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a letter to Barclays Bank Delaware to close account XX/XX/2020, they sent bill for the next 4 Months starting in XX/XX/2020 I kept getting billed. tried to call and never could get anyone on Phone, wrote another letter. Finally I gave up, I am asking that this gets taken off my credit report because this is a blemish I should not be responsible for. 

Thank You, 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 2019-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Navient Solutions, LLC.
State: MO
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:
Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ Navient regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On XXXX  report under Navient, instead of 2 accts. Only 1 acct. shows for Navient, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, XXXX XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all Navients information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

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 2018-09-23
Company: Navient Solutions, LLC.
State: TX
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:
I frequent the online website and contacted Navient in the past to secure lower payments in effort to lay back my student loan. Although I am not a high income earner, I do not qualify for income driven repayment with reasonable monthly amount due. Reasonable would be $ XXXX. When I spoke with the reps and online, the repayment amount was at least $ 900 monthly, which is close to the usual monthly payment. The need to lower the amount to qualify for income driven repayment is necessary as most people have basic expenses needed to live : food, shelter, transportation nd associated costs. Navient would rather discuss overbearing versus an actual repayment plan with reasonable payments. The reps are located in other countries and have absolutely no idea that {$900.00} plus per month is completely unreasonable. To pay that, we would have to live in a shelter.

Company response to consumer: Closed with explanation