BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been making payments on my students the best that I can since I made a payment arrangement to make interest only payments I have been making those payments of {$210.00} for almost 4 years. Recently I had a baby which would make my XXXX  child and was off work for the 3 months. While I was off work I was responsible to pay my portion of my health insurance due to not have any paid time off I paid my portion to keep my health insurance while my employer paid their part. My portion was {$230.00} to pay as you can see this took from me financially but it was need thus I could not make my student loan payments for the months of XX/XX/XXXX and XX/XX/XXXX. I finally made a payment in XX/XX/XXXX and now they continue harassing me telling me I am delinquent still for XX/XX/XXXX which I understand. I explained to Navient the situation the financial hardship and they informed me that if I did not make two payments in the month of XX/XX/XXXX I would be reported the Credit Bureau and for the delinquency. I have XXXX children and a XXXX XXXXXXXX mother I have to provide for not playing the victim but I can not afford for my credit to be damaged this will affect me from getting future credit in case of emergencies. The fact of the matter is if you pull my credit you will see that I have a very good credit and I do make it my obligation to make payments on time even if it means going with out myself. Navient is a lender that should be barred from lending to anyone because they have broke the law many times and taken advantage of me. I have made payments several years and my balance have not budged at all it is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Upgrade, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My account has a XXXX dollar balance. On XX/XX/21 they charged my bank {$37.00}. It never made it onto my account activity. It also says my account is as of today 11 days delinquent. I have tried emailing them as well calling at different times of the day. No one responds to emails or answers the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My XXXX prepaid card was closed some time around XX/XX/2019 by Chase bank. I can't access my remaining fund on the account and the phone rep I called on XX/XX/2019 said she doesn't know how long until the fund is released. This is such a scammy way for XXXX to take a interest-free loan on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Provider under contract with XXXX XXXX to accept their payments. Provider is refusing to honor contractual obligations and trying to collect more from me than the insurance company says I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was informed by several people that operate businesses in the same category as mine that Frost Bank would be a good choice for my banking needs, since they had accounts currently operating with this financial establishment. I reached out to my local branch around XX/XX/XXXX, and later had a meeting with the Senior VP of Business Banking XXXX XXXX. I explained my business needs, why I had decided to sever my relationship with XXXX XXXX XXXX, ( keep in Mind I have amazing Credit, zero delinquencies, along with an excellent banking record ). I provided Frost with any requested account information, financials, and a list of all current customers. Upon review of my customer information, Frost decided that they did not feel comfortable opening an account for me based on the fact that my customers were not all in Texas. I don't know who can really operate an only local business and survive in todays economic conditions. The problem I have here is that I know other businesses, exactly the same as mine with Frost accounts and good standing relationship. These business owners also have accounts across the country as I do. Frost is blatently discriminating against my business because it requires me to use my own cash that I must withdrawal from their branches, and they do not want to deal with providing that service to a customer. Very disappointed with a local bank built on the backs of small business owners like myself, not willing to work with me or my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Servis One, Inc., Titusville, PA Branch
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan reached maturity in XX/XX/2018 with a balance still remaining. There is still a little over {$7000.00} owing on the mortgage. I have attempted to contact XXXX  and have been told that I do not have any options other than to pay the entire remaining balance. I can not afford to pay over {$7000.00} at one time.

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 2018-08-16
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a problem with my American Express XXXX XXXX XXXX card and i am hoping someone can help me. i was supposed to get XXXX points after spending {$3000.00} in 3 months which i did fairly quickly. In fact, this offer is still on your web page ( screenshot attached ) : https : //online.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX  Later, we noticed that the XXXX points had not been allocated even though we had spent the money. We called and they promised to open a case and call us back in two weeks. When no one called, back. we called again and found that there was no case registered. We then spoke to your rep XXXX ( ID # : XXXX ) who opened another case ( XXXX  ) and has again promised a call-back.

Finally, we contacted the CEO 's office and they told us that we would not get the card because we had had the card earlier, which was apparently in some fine print that we were supposed to read.

However, our problem is that we are lay people expected to read many layers of fine print but American Express, with its army of lawyers, appears to have committed fraud by loudly proclaiming the XXXX   points without being equally loud in stating the exceptions. Also, when we are expected to read an unfamiliar contract, why would they not even know that my application would not qualify, right at the beginning? Also, why would not tell me when they at least gave the card? Or when i made the initial requests until it got to the CEO? Clearly, the intent to commit a bait and switch fraud and hope i would just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested a copy of my free credit report from Transunion in XX/XX/2018 and received my report with the envelope opened. Upon inspection of the envelope, I noticed that the letter was not sealed properly. This is first class mail, very personal, my entire financial history so casually returned to me unsecured. I was upset and wrote them a letter dated XX/XX/2018. No  creditable response as of yet and I, take my credit serious and feel that this company has failed us.

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 2023-02-24
Company: Credit Karma, LLC
State: NC
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:
I was on credit karma seen that I was pre approved for credit cards and signed and got denied even though it clearly said I had n excellent chance on getting the cards it happen for several cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2017 i added voice, the phone, to my XXXX account. The cost is {$20.00} per month. plus Carefree Minutes, World Select 300 for {$9.00} per month. I specifically made it clear that I want the international calling plan for XXXX XXXX. and that is the only reason I needed their phone. I use my cell phone for everything else. They also charged {$10.00} XXXX /month for rental of equipment. I BOUGHT the equipment I did not rent theirs. 
XXXX  charged me {$9.00} per minute for my calls to XXXX. {$9.00} is supposed to be the flat rate for the month if the usage is under 300 minutes. I have complain to XXXX   supervisors even up to their cooperate office. I was told that XXXX is not included in their World Select plan but because it was XXXX 's error in setting up this plan for XXXX they will honor it. They kept removing the excessive charges one month and then added it back the next month. XXXX now send me a bill for {$520.00} for international calls, equipment plus penalty. Convergent, XXXX 's collection agent is reporting this false claim to all the credit bureaus.

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 2018-08-16
Company: EQUIFAX, INC.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: CA
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:
THIS IS NOT A DUPLICATE CLAIM. XXXX  HAS NEVER RESPONDED TO THE FAIR TRADE CREDIT REPORTING ACT/LAW THAT STATES THEY MUST INVESTIGATE WITHIN 30 DAYS!

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I did not consent for my credit report to be sent to anyone agency

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 2018-08-16
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: Information belongs to someone else

Complaint:
On Friday XX/XX/2018 I wrote to Equifax requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, Equifax has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with XXXX a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was denied a job for a company due to the information that the company reported that was over 20 years old. The company told me that it would exclude me from future employment due to this 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 2018-08-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and Transunion. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with XXXX XXXX. I tried disputing this with TransUnion again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. XXXX XXXX is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. TransUnion refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply 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 2021-06-24
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Credit inquiry from XXXX XXXX on XX/XX/2021. Did not apply for credit. 

Credit inquiry for SYNBC/Amazon for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.

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 2018-08-16
Company: On-Site Manager, Inc.
State: UT
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:
I have no idea who this company is or why they pulled my credit. No way to contact them. This hard inquiry negatively affected my credit report and credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Dyck-O'Neal, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and XXXX. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with DYCK O'Neal. I tried disputing this with XXXX   again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. Dyck O'Neal is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. XXXX  refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX XXXX Bank. I am going to provide the letter from XXXX XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors who inquire about my payment history.

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