BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Thursday XX/XX/2019 I attempted to contact 'XXXX ' to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX ' employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'Transunion ', I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ',  not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, XXXX, Transunion have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same 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 non-monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX of Inquiry XXXX XXXX XXXX XXXX XXXX ODA Date of Inquiry XXXX XXXX Date of Inquiry 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 2017-07-09
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This complaint was filed back in XXXX XXXX, spoke with the " Consumer Advocates Office '' @ Navient about getting the interest rate lowered on a student loan that I co-signed on for my son ( 11 % ). I was put on an interest only payment plan for what I thought would be a short term period as it turns out it was for FOUR ( 4 ) years, numerous calls to Navient to be removed from this program fall on deaf ears. I enlisted the help of XXXX XXXX office and that did little good. I have submitted financial statements to Navient back in XXXX of XXXX in an effort to get the interest rate reduced on this loan, that got no where, have tried to refinance this loan and got no where. Their billing statements show minimum payment due and if you read the fine print you 'll notice that the accrued interest for the month is XXXX - XXXX dollars more than the minimum payment. This is deceptive in its very nature, credit card companies do n't operate in this fashion why should Navient?. In short they are nothing more than a loan shark operation, not asking for a hand out asking for some help to pay these people off. I have reached full retirement age, my son is unemployed with XXXX children and even being employed he is under employed ( wages ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to equifax to delete XXXX incorrect late payments on my credit report on XX/XX/2022, but they failed to response to me within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the months of XXXX and XXXX Chase bank charged interest and late fees because I was told my full payment was made 2 days late. I explained to two different customer service reps and two managers that I was not sure how it could have been late since it was paid electronically like is done every month for the past 5 years and have not had a problem until now. They would not waive the interest charges. I fell like this is a scam to extort money from me. They are not interested in helping me. I ca n't believe that a good customer who spends around {$20000.00} a year on their card they would treat so horrible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13
Company: Premier Portfolio Group
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has been calling off and on for well over a XXXX threatening legal action on some debt or bad check. I have attempted to have them mail me something verifying the information and have received nothing. They have called my home phone, cell phone, wife 's cell phone, my mother. My credit report is clean and there are no outstanding debts. I have not had a person checking account for several XXXX. I 've tried the do not call registry but they continue to harass. Everything XXXX read regarding them is that most cases are fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BSI Financial Holdings, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For the last three months I have tried to put in a loss mitigation application with BSI Financial. The first time I sent in mail correspondence on XX/XX/XXXX to the exact address that they told me to send it too and a month later it came back to me. I then sent an email with everything I sent them to there loss mitigation team on XXXX. I have now been in email communication with them since.They keep telling me I need to turn in documents that I have already turned in I totally, and on XX/XX/XXXX and XX/XX/XXXX I am at a loss. They have told me that until I get these forms turned in that my application wont be filed. They also sent a letter saying if I dont pay by the XXXX they will go into foreclosure proceedings but I cant even get them to file the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the fall of last year I called XXXX XXXX XXXX to get information and pricing for a home phone because I was thinking about switching from XXXX. I only asked for pricing information but unbeknownst to me the Customer Service Rep had put service in my name that I did not authorize and never knew I had the service until I received a bill in the mail. I called XXXX XXXX XXXX and explained the situation and after about 3 weeks of talking to various different supervisors the last person I spoke with ensured me that they had credited my account to a zero balance and closed it. Know I am seeing that I still had a balance and it was sold to Receivables Performances I called them and explained that I do not owe this debt as I never authorized for it or used the services.

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 2017-07-09
Company: Experian Information Solutions 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 spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.

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 2021-04-15
Company: Oliver Adjustment Co.
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:
Paid account representative states the account would be deleted.

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 2019-06-15
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: Was not notified of investigation status or results

Complaint:
I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.

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 2020-09-24
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: Personal information incorrect

Complaint:
I have the following incorrect information on my report that I need removed. 

Transunion - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, XXXX, and Transunion reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.

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 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX XXXX credit card is reporting on my credit file an account and passed due balance that does n't belong to me. This was identity fraud and opened as I was a victim of fraud from two major data breaches. I have done all the steps capital one gas requested but they are still indicating this fraud account under my credit file which is greatly effecting me as it has a negative impact on my score and ratings. Again this card and information they are reporting indr this card does not belong to me. 

They have it listed as capital one XXXX XXXX XXXX XXXX XXXX XXXX Utah Partial account number XXXX ... 
I have reached out to them numerous times and they haven of done a thing to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SP Servicing received a notice from the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that they would like to do a deed in Lieu of Foreclosure on a property located at XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
Sp Servicing did not want to accept the property and Requested that the Sellers attempt a Short Sale on the property and received their independent BPO on the property. 
On XX/XX/XXXX the home was listed thru XXXX XXXX XXXX XXXX as a Short Sale in the XXXX XXXX AZ and an offer was tendered and accepted on XXXX. 
The offer was submitted to SP Servicing together with other offers and 3 days later SP Servicing rejected the offers & requested the listing be placed for another 7 days to procure other offers. 
12 days later SP Servicing received all of the offers and then requested an addition 7 days for the property to be active in the XXXX. After this 7 day period with all offers in hand SP Servicing rejected the postponement of the Foreclosure due to less than 30 days left before foreclosure date.ThXXXX Investor has their Broker Priced Opinion and the offers tendered were above the asking price and the BPO pricing. SP Servicing manipulated purposely the events that cause this property to be foreclosed and their unfair practices should be scrutinized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
It unlawful to discriminate against anyone who has exercised any rights under the Consumer Credit Protection Act.Yet, directly after exercising my rights, filing a complaint with the CFPB USAA first limited my account access to all my accounts with no explanation, then froze my available credit only to finally close the majority of my accounts. The accounts they did not close, they have refused to grant me online access as well as refusing to mail me statements. Thus I do n't have any way of knowing what and when to pay. Their explanation for refusing to send statements to my remaining accounts was that I agreed to receive documents online thus they are unable to send statements. Yet it was they themselves who are preventing me from viewing the statements online. In addition they also began reporting negative information despite the accounts being in dispute. <P/>This was all done shortly after I filed a complaint with the CFPB in regards to their reversal of a finalized billing dispute a year prior, as well as their refusal to provide any documentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Credit CARD Act of 2009 requires banks to give at least 45 days notice of any significant changes to a consumers account. On all 3 of my credit cards with USAA bank, with no notice they restricted my account access, within a week my available credit was frozen and shortly there after all my accounts where closed. I was provided no notice and was given no actual explanation. I 've requested documentation on numerous occasions which was all ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the credit card is not my -THD/CBNA XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX NV 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 2021-03-10
Company: Credit Plus Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
loan with XXXX XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent Annup # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even XXXX serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
since XX/XX/XXXX, there has been a freeze by XXXX on my credit file.i can not buy anything, my report either shows i do not exist or all o.over 40 calls to XXXX and they tell me it is not frozen.they sent me to trusted id and over 30 calls and i still can not get my credit there.i have been to three car lots and always get the same answer.i had one preson at the freeze department of XXXX have me send in copies of my id.no help as there is no freeze they say.out of the over 40, around 15 say XXXX had frozen my credit due to security breach, they said they were taking it off with no change.one gave me a confirmation number and when i called back it was a made up number.i do not know what to do i have exhausted every opition i know of.please help i do not know who to call or what to do.i do not want to lose my home or cards as they monitor credit.thanks for any help i am pass frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Portfolio Recovery Associates, LLC keeps reporting a debt I never had with them and I received a letter stating that the debt is too old to collect on but they keep reporting this debt on my XXXX and XXXX XXXX reports which are giving me a low credit score and I am unable to obtain credit. They are reporting 2 credit card debts that I never had and the debts are old. They keep calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
Dates : XX/XX/2020, XX/XX/2020 and XX/XX/2020 ( Bridgecrest ) These have been reported as 30 days delinquent, I was unable to make the payment due to pandemic crisis that happen, not at fault. I lost my place employment so it had begin to become extremely hard to keep up with bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX university has shut down and I still have outstanding debt with them. I was told that once the school was shut down I could file to have these loans gone due to the school shutting down I would I do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Immediate Credit Recovery
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IMMEDIATE CREDIT RECOVERY INC, is listed on my credit report as a derogatory mark. The debt with XXXX XXXX XXXX XXXX has been paid in full, on XXXX 2016. I would like Immediate Credit update there records and remove this from all credit reports.

Company response to consumer: Closed with explanation