BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, Transunion, XXXX and XXXX to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against XXXX that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that Transunion, XXXX and XXXX place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had been on a XXXX deferment plan for 18 months through XXXX. Then I was offered a loan modification and performed all of the requirements from XXXX XXXX XXXX. On XX/XX/2022 I attempted to pay my new mortgage and USBank closed my mortgage, told me I'd missed signing modification paperwork ( never received ) and then sent me on a nightmare ride of 3 hour phone conversations and up to two automated calls per day from their collections department. 
In the summer of 2022 I sought mortgage assistance from XXXX XXXX XXXX. My mental health deteriorated from the anxiety this gave me as I've fought my hardest to keep my home to shelter my children in. 
I've attached a letter from XXXX to explain my situation thoroughly.

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 2022-07-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I applied for forbearance in XX/XX/2017 and got approved. Therefore, Navient brought my account current. However, after reviewing my credit report, I noticed that Navient reported late payment to all of the credit agencies. Even thought my account became current in XX/XX/2017, Navient reported 90 and 120 days for XX/XX/2017. ( XXXX comes after XXXX ) When I reviewed my full report from each of the 3 credit agencies, I notice a discrepancy with all the 3 reports. I came to find out that what was reported to XXXX is different than what was reported to XXXX and different from what was reported to XXXX. Here is also a short summery of all accounts reported by Navient : XXXX : 90 days late payments on 6 Navient accounts for XX/XX/2017 XXXX : 120 days late payments on 6 of the 6 Navient accounts for XX/XX/2017 XXXX : 90 days late payments only 5 of Navient accounts for XX/XX/2017 I have wrote letters asking them to retract this errors from my credit report with copies of my credit report showing the errors in report. They refuse to retract the error and provide a generic explanation as to why the refuse my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: FL
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:
This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX 2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current lender is " LoanCare '' and I am going through a refinance with a different lender. I have reached out to LoanCare about 15 times between XX/XX/XXXX and XX/XX/XXXX to learn how I will be receiving my escrow refund and have not heard from them. Their customer service line hangs up on me and is completely automated so I can't speak to an actual person. I have sent multiple online inquiries for which I have not heard a response.

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 2023-01-24
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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-07-11
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I call Customer Support and Try to make a payment to the principal only, the customer support agent say it was not possible and the Manager she call to verify, they told is only possible to pay the principal if I pay Interest and the rest will go in the loan payment, I have used other loan companies in the past and I also have a car loan and I'm able to pay to the Principal without any problems, So basically I cant reduce my loan principal in full without being charged a fee because I already make a payment before my due date and my due date is not yet coming

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Navient Solutions, LLC.
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:
Navient, 2 consolidated loans ( previous Sallie Mae ) -one grouping from Unsubsidized and one from Subsidized Federal loans including HEAL, Staffords and SLS. 

Two issues : First : After last payment made on my behalf by the XXXX XXXX XXXX XXXX inXX/XX/XXXX I received information stating I did not have any payments due until XX/XX/XXXX Not because I asked for a deferment or a forbearance. I did not understand interest was going to be accruing all the while, nor did they say I could CONTINUE to make the payments I had been making for years already. I was misled and not informed by Navient. 

Second : When I started to repay inXX/XX/XXXX up until currently, ALL of my payments have been applied to that interest that accrued from XX/XX/XXXX! So even now, all I pay is interest, for 2 consolidated loans through Navient ( former Servicer Sallie Mae ). 

I have paid my student loan payments EVERY MONTH. Never late. Never in default. Yet, I have paid over {$24000.00} since XX/XX/XXXX for 2 consolidated loans ALL OF WHICH HAS ONLY BEEN APPLIED TO INTEREST!!!! Now, this seems like a scam if ever I heard of one. I never asked to be on an interest only repayment plan, nor did I request a Forbearance or Deferment. There is nothing on Navient website that states I am in anything other than a standard level repayment plan, and prior to that payments I was making were going to both interest AND principle. 

I am contacting both the Department of Education as well as the Consumer Financial Protection Bureau because Navient willfully misled me, did not provide accurate information warning me about what they were doing, and refuse to assist me in any way. Furthermore, the intentional subterfuge being employed by Navient in making this information readily available ( ie a discount for " auto-pay '' so there is no need to LOOK at a monthly statement and statements that do not provide detail as to HOW payments are being applied ), a website that does not provide any type of information regarding amortization over the lifetime of the loan, and nothing in my " Loan Details '' that would tell me I was simply paying interest for the past 3 years strikes me as criminal. It is quite by accident that I even came upon this fact on my own while looking for ways to lower my interest rate. 

Please contact me immediately. Navient should be ashamed of taking advantage of busy professionals who have remained productive in the public sector while striving to stay current with their financial responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Citi bank I have been disputing incorrect information on my credit report for about 6 months now with the reporting agencies and they keep saying that you are reporting this information is reporting correct. I have sent them factual proof that these accounts are not reporting correctly as I have did once again see File citi account XXXX XXXX  is showing a 60 day late for XX/XX/2019 then on XX/XX/2019 another 60 day late! How is this Possible? XXXX  is showing all Ok up until XX/XX/19 they are showing XXXX which is a unknown this is a violation of the FCRA and must be deleted. ASAP this is incorrect information reporting and this account needs to be deleted ASAP I lost my job due to the fact that I work around money but when companies like you report this type information and keep saying oh it's reporting correctly and it's not is a crying shame the way you treat people but think about it what if the tables were turn and this was you how would you feel Just think about it? Please delete this account From all of the reporting companies ASAP

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 2023-06-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account shows Negative even though all my payments were made on time. 
It for a Lease with US BANK for a brand new XXXX XXXX XXXX   XXXX color. 

I would like the negative to go out as it is affecting my credit score badly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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:
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.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Per the credit report, information has not been updated since XX/XX/2022. The balance on the account has dramatically decreased to {$1600.00}. This is in reference to the following account : XXXX XXXX. Account number begins with XXXX. The business has failed to follow the proper credit reporting cadence with updating information on a monthly basis. The major credit reporting repositories are providing outdated information from XXXX weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/21 I called Citibank to understand why finance charges were being applied to my credit card account despite the fact that I had paid the balance in full every month. I was informed that due to a partial late payment in XXXX -- I paid off the full balance 1 day late -- I was being charged daily interest on every purchase made for a subsequent 2 month period. Interest was being applied not on an unpaid balance, but on every transaction. In essence, this became a card that is not a credit card. No revolving credit for 30 days, as is the common understanding of credit cards. I have never encountered this type of penalty for a late payment. Nowhere on my statement does it indicate that I am no longer receiving credit of any kind. I feel that this is a predatory lending practice that I could not possibly have been expected to anticipate. Had I understood this was happening I would have used one of the several other avenues I have for credit over the last two months.

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 2021-07-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Fed Loan Servicing company manages my school loans, and I have not been able to make payments due to the high payment. I tried to submit applications for different repayment plans, but each plan calculated payments based off income before taxes. We are a family of 6 and depend on one income, but because my husband makes six figures, the payment is too high. The problem is that they calculate payments based off of an amount that we don't receive, and makes it difficult for me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: JPMORGAN CHASE & CO.
State: AR
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:
This is regarding a {$360.00} charge from XXXX XXXX on my Chase credit card. I showed XXXX XXXX my credit card as part of the check-in process, did not authorize any charge on the card, and was surprised by a {$360.00} check-in fee on my account. 

I contacted Chase three times to attempt to resolve this. Chase has told me that because I physically showed someone my card, they consider that valid authorization for the merchant to charge any amount they wish on the card, as long as the merchant provides some sort of good or service. The fact that showing a credit card to check in at airports is a routine, non-transactional occurrence does not matter. The fact that the surprise charge is 150 % of the value of the original ticket does not matter. The fact that I never authorized or signed for the charge does not matter. The fact that I was not given the chance to approve or decline the charge does not matter. Simply presenting the card is considered authorization for the merchant to charge any amount, and Chase will consider it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: WELLS FARGO & COMPANY
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:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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