BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as XXXX which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX   dollars past due. This is an illegal infraction being reported by XXXX and Transunion. However XXXX   is reporting this correctly. I have tried to dispute this direction with XXXX, XXXX and Transunion without any changes being made.

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 2018-01-17
Company: EQUIFAX, INC.
State: VA
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:
On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on equifax credit bureau. According to equifax, I have no credit profile. 
On the other hand, I have three credit cards of XXXX XXXX, XXXX and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than XXXX. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including equifax and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus. 

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, Equifax told me that they do not have my credit profile and any of these three companies including XXXX XXXX, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Mobiloans, LLC
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:
XXXX accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and XXXX XXXX XXXX {$1200.00}. Has violated my rights. 

15 U S C 1681 section 602 A.states I have the right to privacy.

15 U S C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
So I called capital one on XX/XX/XXXX to get clarity as to why my account was randomly closed on XX/XX/XXXX, and the dispute team, fraud department, and management could not give me a direct answer but what may have been a reason. My account is Closed and is hurting my credit score while I'm also being denied opportunities because I have false late payments with a closed account. I've been calling to get clarity and nobody cares to answer my question but they are continually reporting negative and inaccurate information to my credit profile which is causing defamation, violating my privacy while they are being negligent. Capital is failing to follow procedures to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with roundpoint mortgage servicing and we have been with them since XX/XX/XXXX, we paid our mortgages regularly every month and on XX/XX/XXXX I got a phone call from XXXX XXXX with roundpoint she let me know that roundpoint dropped the ball and accidentally deleted our PMi from our loan for 2 years! Mind you they review all accounts yearly and they somehow missed this 2 years in a row??? So our mortgage went from {$2100.00} to {$2400.00} for the next 5 years then falling to XX/XX/XXXX after the 5 year period. They are now telling me in XXXX our mortgage will be raised again. We have had several financial struggles after our mortgage increase and now with a future increase we are worried we will now lose our home. All I asked is that they right their wrong and soak up the negative balance that they caused but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On X/XX/17 I contacted 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 and XXXX XXXX  about unauthorized inquiries that are appearing on my credit report. I told all of these companies that there is fraud alert on my credit report and none of these companies were given my permission to run my credit.

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 2022-01-10
Company: Performant Financial Corporation
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Premiere Credit consistently calls more than 5 times a day. I have asked them to limit the calls until after business hours ( after XXXX hours ) and to limit the number of calls. Also, this collector has attempted to contact me at work and has been asked numerous times to not contact me at my place of employment. I understand that I owe a debt and have attempted to reach out to this organization using their online services but for some reason online services doesnt seem to communicate with the company.

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 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX XXXX Services. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

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 2018-01-17
Company: Navient Solutions, LLC.
State: TX
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:
I am a XXXX, and I have XXXX for 14 years. When the PSLF program rolled out, we had a brief information session, so I learned about it about 10 years ago. 
I contacted my loan provider, at the time, I paid XXXX XXXX. I contacted XXXX XXXX and told them that I wanted to take advantage of the PSLF, and I was told that I had to make payments for 10 years. I continued to check periodically by calling XXXX XXXX. I trusted the company and never took notes of who I talked to or anything. 
Anyways, in 2017 I found out that my loan servicer was Navient. I contacted Navient, and I was told that they had no records of my loans. Then after about a week of calling, my loans were found, and I was told that there was no record that I was trying to take advantage of the PSLF. Therefore, all payments made did not count towards the program. I was told that if I wanted to take advantage of the program, I had to consolidate my loans and start over on payments towards the program. 

Basically, I trusted the system, and I feel like I attempted to do the correct process, and because Navient did not have records written, I have to start over on the process. This is not fair. I feel like I should have been directed better 10 years ago about my wrongdoing instead of now telling me that - just kidding, you do n't qualify because you did not fill out paperwork. At this point, I think Navient should consult/advice their clients better, and I think Navient should take responsibility for giving incorrect and/or insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/XXXX {$65000.00}. Inquiries : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Date XX/XX/XXXX, amount {$30.00}, 1 late payment reported on account by Wells Fargo, account has been opened since XX/XX/XXXX, and have asked for the one late payment to be removed and it is not removed yet.

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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
Y name is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never applied with Chase Bank and was told I have a home loan, which I live in a XXXX XXXX XXXX Assist'ed Apt I had a student acct with XXXX XXXX XXXX in XXXX, CA on XXXX XXXX I became very XXXX from a XXXX back in XXXX ( not certain exact date 's ) and my account was said to have a Insurance binder that would pay 6 months payments if I ever needed it. 

I had to spend every penny I could scrap up to detox from a bad batch of XXXX I had been prescribed from XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX I even had to let my XXXX XXXX XXXX shut off to afford to shop at Whole Foods Grocery Store in XXXX, CA XXXX XXXX failed to provided the Insurance payments stating I was already injured at the time the credit was granted and therefore did not have to cover me, yet kept promising they would. 

My credit score plummeted drastically. 

It breaks my heart as I have been trying to re-establish myself. This keeps a dark cloud over my head and is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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 non-monetary relief
Consumer complaint received 2018-01-17
Company: CITIBANK, N.A.
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:
I currently reside in XXXX, XXXX. 
I have called citicard multiple times to have a new replacement card sent to me in XXXX. 
The first time, they sent the card to an old address in CA and charged some kind of shipping fee without my consent. 
I called and they re-confirmed that they would send me a new card in XXXX and cancel the shipping fee. 
After the card did not arrive for weeks and I received another credit card statement showing a {$6.00} charge I did not make, I called again - this time they made me go through complicated identification procedures and then asked to call me at a U.S.-based  number for verficiation. 
As I do not live in the US, I asked citicard to call me at my international number or find some other way to verify my identification but they refused. 
They say they can not release any information about my card to me and will not handle my dispute until they can call me at a US-based number - but this is not possible. 
I have talked to several people in management and they still ca n't help me. 
In the meantime, the charge is still standing and I do n't know my new credit card number to initiate a dispute online. 
Please help me - receive a replacement card at my XXXX address - cancel the current charge on the card Thank you.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: PA
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:
Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.

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 2022-01-10
Company: Frost-Arnett Company
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the company, Frost Arnett to verify the debt as I never received calls on my only number which is a cell phone. They reversed the derogatory credit report and sent me a statement dated XXXX. 
I placed a call to Frost Arnett to find they have already sent the derogatory report back on my report 5 days ago. 
I called to pay the debt in 4 installments and they had already reported it even though I had ask for them to send me a bill.

This is so unfair. I want to pay my debt asap now that I have the charges.

Once again, not one phone call to work with me to pay it. 
During the times we are having a lack of mail delivery, the least they could do is work with me and I will pay in full. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XXXX 2017, TJX Rewards sent me a new store card that I activated to replace my old store card. I thought it was the same card - only usable at TJMaxx and its partner store. I tried over the past month to log in to my account to check and pay my balance but the card was not listed on my account and it said my old card had expired. 

I learned today after talking to customer service : the new card they sent is actually a XXXX that can be used in other stores like supermarkets. I imagine this is now on my credit report. It was misleading to send me a XXXX I did not ask for, since it was disguised as a store card. I do not want my credit report to show that I am opening new credit cards. 

I would like to close the account, but I worry that will affect my credit score. I also suspect that account managers and executives at TJX receive kickbacks for opening XXXX  under the TJX logo, similar to the XXXX XXXX XXXX situation last year.

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