BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account isn't mine : XXXX XXXX Closed : XX/XX/2017 2017

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 2018-06-19
Company: GREAT LAKES
State: MI
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:
" My Great Lakes '' is a federal student loan servicer who services my student loans. I am trying to apply an extra payment to pay-in-full one of my student loans at 6.55 % interest rate ( payment made XX/XX/XXXX, received XX/XX/XXXX, applied XX/XX/XXXX ). However, Great Lakes will only apply the payment first towards any future payment due, and then any extra towards the loan I requested. In the past, I would call and have them adjust this so the payment is only applied to the one loan I wanted to make an extra payment towards - knowing that I have auto-pay set up and I am paid-in-advance ( no payment due for 1+ months beyond current billing cycle ). Great Lakes has changed their policy and are now unable to adjust excess payments to only the loan I request. Due to this, I am still being charged 6.55 % on the loan which should be paid off in full with my payment of {$2500.00} ( loan balance was {$2500.00} at time of payment ), and instead part of that payment is going towards my 3.03 %, 3.15 %, 4.25 %, and 5.35 % loans. Only {$2000.00} was applied to Loan Token XXXX, the remaining {$520.00} was applied towards other loans which are at lower interest rates.This means I am not gaining the benefit of paying off my highest interest rate loan, which means I pay a higher percentage per month in interest than I should be - this is money out of my pocket which they will not reimburse or correct. I do not want money, I only want my payment to be applied correctly, retroactively, only to loan # XXXX as requested multiple times so that it will have a " Paid-in-full '' status. Again, this is a policy change at Great Lakes which is not allowing me to apply a payment only to the one loan I request, where I was fully able to do this previously. This is wasting my money towards undue interest. In addition to multiple emails ( with my latest unanswered for 5 business days ), I called today on XX/XX/XXXX and spoke to XXXX ( employee # XXXX ) and was again told that they could not apply the payment only to my loan token # XXXX - like they have done several times in the past ( redirected an over/excess payment to be applied to only one loan ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
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:
on XX/XX/2018 I sent a certified letter to Transunion, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.

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 2018-10-08
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Consultants has placed a collection account on my XXXX  and XXXX credit reports in the amount of {$540.00} in the year XX/XX/XXXX. Diversified just added this debt to my XXXX   report on XX/XX/XXXX I have never done business with Diversified. I have never received anything in the mail from Diversified stating that I owe this debt. I have sent letters to the three credit bureaus asking for verification of this debt. the credit bureaus have failed to comply with what the letters were asking. The credit bureaus sent me responses that they have verified the debt, but they have not sent proof of how they verified that this debt belong to me. XXXX states they will not reinvestigate the account. I am requesting that this debt be removed from my credit profile due to the bureaus not being in compliant with the letters I sent, and me not having any communication about this debt with Diversified. this debt is damaging to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Ive been receiving calls from. Robot for 4 years now. Sometimes 4-5 times a day. Stating that they can help me with my student loan. I dont have a student loan!! I paid it off in full, cash over 4 years ago!!! I ask people to stop calling me and to take me off their mailing list bc I DONT HAVE a STUDENT LOANS ( of its a human ). Most of the time it is recordings or Robots calling. I block them each time but they just call back and few hours later from a diff number. I cant even pick up unknown numbers anymore and that affects my business. 

It is a Crime if they call me ever again after I tell them to stop once. My Mother keeps telling me to call my Atty Ge earl and report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Approximately two months ago I submitted a complaint that Experian of Delaware was continually accepting a credit utilization report from XXXX XXXX. I filed Chapter XXXX Bankruptcy XXXX XXXX 2015. My credit card with XXXX was closed by the BK. Still, Experian continues to report a % 83 utilization of the credit card. That may have been true before my BK, but as I stated previously, the card was closed. Experian investigated the problem, supposedly, and their response was that i was incorrect and the credit card company was correct. How could i have any type of utilization when the card has been closed? After Experian 's response, I tried to contact the company and they have no record of my account. I 'm not proud of my BK, but i am trying to rebuild my credit. However, with Experian still accepting this claim, I have been refused a home loan under the FHA Chapter XXXX policy as well as my credit score falling. From what i have read this is illegal and I can pursue legal proceedings. I feel certain that their investigation was superficial. This has happened with a another credit report agency ( XXXX ) and once i sent proof, instead of correcting the false information, they removed it from my credit report which lowered my credit rating Basically, the consumer is punished if we question these agencies. They all should be investigated as they favor the Banks and not the Consumers- unless, of course, your the President of the United States .

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 2018-10-08
Company: CITIBANK, N.A.
State: CA
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:
XXXX XXXX is reporting late payments for a credit card I am not responsible for which is significantly negatively impacting my credit score making it near impossible to purchase a home. I am listed as an authorized user on an account opened by my Mother during high school that is in a payment program with Citi Bank / Citi Card. I ( the authorized user ) have no responsibility for this account, have never had any communication with Citi Card about the account, nor have I signed any agreements with Citi Card for the account. 

Myself and the primary card hold have made several attempts to have my name removed from the card without success. We have made several calls over the last several weeks with no success, at one point spending 3.5 hours on the phone being transferred around the various XXXX XXXX XXXX with all being unable to assist in a fairly routine action. We have also been given different information on how to remedy the situation, receiving at least ( 4 ) different fax # 's to send the request for removal. 

At this point we have not contact with the department apparently authorized to complete the requested action and have not choice but to continue sending faxes and calling various divisions at Citi Card to hope for removal.

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 2020-06-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with annualcreditreport.com and called Equifax on XX/XX/2020. Equifax referred my back to to annualcreditreport.com, denying any connection between Equifax and the questions posed at the site. I've since received a letter from annualcreditreport.com instructing me to contact the bureau ( s ) directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: BARCLAYS BANK DELAWARE
State: VA
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 applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to the number of bankcards opened within the last 24 months. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is 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 2018-10-08
Company: Computer Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS AN ILLEGITIMATE DEBT I HAVE AGREEMENT AND INSURANCE WITH THE COUNTY SEE INFORMATION ENCLOSED. I SPOKE WITH THE COMPANY AND THEY SEEMS TO IGNORE IT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
CHRYSLER CAPITAL. XX/XX/2021 we paid our normal {$710.00} a month payment not knowing it was our final payoff amount. Then we were hit with a late payment when it wasnt late, may we pay {$1100.00} which is what it stated on the website to pay as a pay off when we didnt realize we were supposed to pay {$1400.00} ( short {$300.00} ) which we had no idea because we only paid what it said too. we immediately paid the remaining amount as soon as we got a letter in the mail stating we were short and late. Tried to fix it with Chrysler capital since we hadnt been late in over 2 years especially since it was our last payment. Why would we be late on our VERY last payment if we knew ... its just very upsetting since we were trying to buy a house and now our credit isnt where it should be by this accidental late payment. Ive already reached out to the company trying to get a goodwill deal with them since the loan is paid off already, and theyre refusing to remove the late payments even though its fully paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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: Was not notified of investigation status or results

Complaint:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Portfolio Recovery, as shown on two reporting agencies XXXX and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 I sent a letter requesting evidence bearing my signature, I received no response from them and they did not mark it as disputed with the credit reporting agencies. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. Portfolio Recovery is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' Portfolio Recovery has most recently reported is { {$4300.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Portfolio Recovery may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Portfolio Recovery also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Portfolio Recovery also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX  is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, my name is  XXXX   XXXX  and the problem I 'm having with experien is  XXXX  accounts on my credit report are wrong  XXXX  of them are public record and I 've paid them out already and the other  XXXX  are hospital bills that my insurance has already covered and eventhough I 'm disputing the public record I ca n't dispute the other  XXXX  hospital bills because there 's no account number on the other  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 2020-10-13
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:
Experian : On XX/XX/2020 dispute/investigation started for account # XXXX - On XX/XX/2020 Experian deleted/removed account # XXXX from my credit file. XX/XX/2020 Experian opened another dispute/investigation for account # XXXX - Within hours after opening that dispute/investigation. I received a notification that the result of that dispute was available. Dispute Result ( Deleted ) - hours after that - on the same day ( XX/XX/2020 ) I checked my credit report and noticed that the result of that dispute has changed from Deleted to Updated. Experian deleted/removed the account from the XX/XX/2020 dispute/investigation on XX/XX/2020 - On XX/XX/2020 another dispute/investigation opened - within hours on XX/XX/2020 there was a result ( Deleted ) within hours after ... result changed from deleted to updated. All on the same day - within hours. -- -- -- -- -- -- For the record*

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 2018-02-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a Home Depot credit card, offered and serviced by Citibank, to purchase {$420.00} of merchandise. In XX/XX/XXXX I received a collection call from Citi that my payment was late. I told them I never knew a payment was due because I didn't receive a statement. The collector asked if I would like to make a payment over the phone. I told him send me the bill, I will review the charges then make the full payment. I also asked if he can you waive the {$25.00} late fee. He agreed to waive the late fee once the payment was received and if I called back. There was no mention of when his promise to waive the late fee would expire. Shortly after our conversation, I received the bill and paid the entire {$420.00}. 

XX/XX/XXXX I noticed I had 2 late fees - one for XX/XX/XXXX and another late fee for XX/XX/XXXX. The second late fee was applied because my first ( XX/XX/XXXX ) late fee was not removed. I called on XX/XX/XXXX and they removed the most recent late fee, but stated they can not remove the original late fee because it was against company policy. After multiple hours ( combined conversations ) with several difference collectors, a  review of the original call log. They refuse to waive the fees that were a result me never receiving the original statement. 

I made the full payment of {$420.00}. The only reason I was charged 2 late fees was because I never received my first billing statement and because the original late fee was not 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 monetary relief
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: CT
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:
This XXXX XXXX XXXX account is fraudulent it was removed from my credit report by the creditor, and Experian has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late

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 2017-07-04
Company: Aldridge Pite, LLP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All actors have been fired, yet still, the agents and actors are attempting to extort monies and property from me. In addition, all alleged debts, have been on national level, released, see 2nd attachment, on page 2, A5 highlighted in red for easy detection, " XX/XX/XXXX, 2017 : XXXX/XXXX is accepted worldwide and new elections will be announced replacing the removed dark ones with the introduction of Common Law in governments and courts everywhere. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018.

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