BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: EQUIFAX, INC.
State: NC
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 have reached out to XXXX 40 different times concerning accounts on my credit profiles that were opened fraudulently thru and by Identity Theft. XXXX XXXX, a supervisor at XXXX has been very threatening and loose with his words as a so called Professional. I advised him that I have sent several copies of an FTC Report which is of course a Federal Trade Commission Identity theft report as well as several police reports attached thru the regular mail and thru the upload tool online. XXXX XXXX told me that the FTC Report I sent meant nothing at all. He said it was totally worthless and that he would make sure none of the accounts would be removed or blocked due to Identity theft. I was not only shocked but floored by his excuse for not taking any action concerning this identity theft situation. XXXX and Equifax received my documents and had no problem removing the accounts in question. Also XXXX XXXX knows about the other two credit bureaus removing or blocking the accounts in question. He stated that the other two companies dont really count at all. Yet another loose comment made to me. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX refuses to remove an account from my report even though the reporting company ( XXXX XXXX XXXX ) has agreed the information should be deleted and has submitted a request to all 3 agancies to do so. I have disputed the item multiple times but XXXX XXXX refuses to correct the problem. 

The other bureaus have already deleted the item.

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 2019-04-03
Company: Byrider Franchising, LLC
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:
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 have made several attempts to get a repossession from my credit report! This is outrageous and it is keeping me from moving forward with my life. I have not only filed a report with you before but also the credit agencies and the creditor, Credit Acceptance. I am so tired of this! I want the account XXXX removed based on the law 15 U.S. Code 1681a - Definitions ; rules of construction under ( 2 ) exclusions letter B. I will attach it to my complaint.

I want this removed ASAP. I am currently consulting a lawyer. I have anxiety that this has contriuted to. I am also a victim of the breach at XXXX. 

I keep being told by the credit agency to call the creditor and they tell me to call the credit agency. I was even told by Credit Acceptance that they would remove it and they didnt. I called them back and they wouldnt honor it. What a joke! Where is the customer service and law abiding companies.

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 2017-10-07
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX XXXX, As Servicer XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom it May Concern, I am in receipt of US Banks Demand Notice dated XXXX XXXX XXXX. US Bank claims that {$550.00} is owed and you threaten legal remedies if payment is not made. 
I understand that the money is for traffic tickets and surcharges. These charges were only made after the lease was finished. 
As I have stated before, in written correspondence, all tickets that I received were paid promptly. The tickets were first sent to US Bank and then forwarded to me by US Bank. I repeat, all tickets that were forwarded to me were paid promptly. US bank certainly did not get a second notice as the tickets were paid promptly. At no time was I informed that a ticket was unpaid. 
At this point, US Bank is unjustly and in a threatening manner trying to extort money. Please stop this harassment.

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 2017-10-07
Company: Bread Financial Holdings, Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
DISPUTED FRAUD CHARGES- {$380.00} I notified PayPal several months ago that there were fraudulent charges from merchant XXXX. These charges were not placed by me nor did I ever receive any merchandise at any point from the merchant. I requested that my account be closed due to being compromised & requested new account but no actions were taken to have these charges removed or even secure my account in anyway. When I contacted XXXX I was informed to contact paypal to dispute.Im very frustrated that im still having to deal with this issue .I have sent letters in having this corrected & amount removed from my account but cant get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted Navient in late XXXX as I was having financial difficulties. The rep I spoke to was in the XXXX and was not fluent in XXXX. She took info from me and told me to complete forms at student.gov website. I did this and I received no help. I called several other times but was put through to reps which did not understand XXXX. I received an email from Navient on XX/XX/XXXX and called. The rep XXXX said I needed to pay {$50.00} for an expedited forbearance but told me it may not be approved. I feel Navient had not been fair to me or helped me through these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company claims no pre payment penalty but if I try to pay my bill early it only goes to the principal and not towards my monthly payment. I have tried to set up bi weekly payments they wont accept them because " we have investors to protect. '' I try to pay on the due date they dont do same day payments and if you call after XXXX it will be processed in 48 hours. Not when I actually made the payment but whenever they choose to apply it. I can't set my payments up online. I have zero control over my own account and how it is re paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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 status incorrect

Complaint:
I have XXXX XXXX XXXX reporting late pays on equifax in the year XXXX and XXXX however i didnt have any lates since XXXX, please remove these incorrect reportings asap these are incorrect. I attached a copy of my equifax report to show this however i was never late or received any late notices, i remember an issue awhile ago where XXXX XXXX was not sending me information however that was resolved in house at XXXX and the late fees were removed i need complete verification and deletion i thought this issue beeeeeen resolved i have any documents u may need me to provide asap this is not good to have been on my credit this long and i was unaware of it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aldous associates sent me an Email legal notice with out my consent to received Email from them, I did never share my e-mail with this agency, they also reporting negative account in my credit report with out verifying the debt and with out sending me any letter via USPS stating I have the right to dispute, this actions are deceptive practice

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 2021-05-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 two mortgage payments were made I requested one of them be returned to me. They returned both, one was sent back into my checking account one was sent in a paper check to an address I do not live so I did not receive. Another check was issued which I did receive it was cashed and paid right back at this point I made two payments which covered XXXX and XXXX. They keep sending me letters stating I am behind on payments which I am not and refuse to fix this issue. I have sent all bank statements showing payments going out to them and how they seem to be missing one that was made and not applied I do not know what else to do. They sent me a letter saying I am going to lose my home if I dont pay they are also charging me late fees for a balance I do not owe. I have called filed tickets with over 9 people so far no one seems to want to help me.

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 2022-04-04
Company: Oklahoma Student Loan Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was an XXXX  member from XX/XX/XXXX to XX/XX/XXXX during that time my student loan company was supposed to pay the interest that accrued on my loans for a total of {$330.00}. They had changed their address without alerting me so my initial payment request was denied and I had to submit a new one with their new address. At that point I had made a payment on the loans and my balance greatly decreased so they recalculated the interest based on my current balance and only paid me {$100.00}. However the agreement was to pay the balance that accrued during my term of service which was {$330.00}, so they still owe me {$230.00} which they are refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Atlanticus Services Corporation
State: WA
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:
I closed my Fortiva credit card account last year and am being charged a monthly " Account Maintenance Fee '' in the amount of {$12.00} and was just charged an " Annual Fee '' of {$49.00} on XX/XX/2019 even though my account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
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: Account status incorrect

Complaint:
I have duplicate XXXX XXXX accounts reporting on my XXXX and experian reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other 2 credit reporting agencies, please delete. I am.no longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete 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 2021-05-16
Company: Experian Information Solutions Inc.
State: LA
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:
My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: LA
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:
My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
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:
I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX est I called XXXX customer service at XXXX about my account stating, '' Login not permitted We 're sorry! 
We have a problem with your account that needs to be fixed before we can restore your online access. '' When i called the number it transferred me to an agent whom i spoke with and said that i needed to verify my account. I answered the standard address, phone number, last 4 of ssn etc to verify my account. They proceeded to ask me if i had a device that i could receive a security code on such as a mobile phone or landline. I do not have a cell phone at the moment and provided the agent with my landline to receive the code. My landline happens to be through XXXX XXXX and is a VoIP # that was bundled with my package deal. Because this number is a VoIP # the agent and her manager whom i spoke with both refused to give me the call back so i would be able to receive the code, stating that my chosen way to receive phone service was not secure. They would not help me, tell me anything about my account except that i would have to wait for the mail ( Paper mail ) to receive my code so i would be able to log into my account. 

The second issue i have with this company is there holding policy on credit. I made a payment on my account for over XXXX dollars and because of this, they processed the payment, took the payment out of my account and then as of the last time i seen my account status, ( XXXX XXXX, XXXX ) still had my credit as unavailable for use. They told me when i called on XXXX XXXX, XXXX that it would be up to another 3 days before they would release my credit, even though they had the payment, it cleared my bank account and was in there account. What shady business practices is Synchrony Financial running with there credit operations. I feel as though there discriminating against me because i choose to pay off my account balance instead of continuing to pay them there absurd interest rate payment every month.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been having collection items remove off my credit with Transunion specifically with has been the reason for a low credit score with this company. Recently I remove 4 inaccurate items, which should have increase my credit score but it went down more. 

I receive the notice that XXXX items was remove, but know other thing change on my report and no explanation as to anything added. 

Trying to reach the company to investigate, the phone systems answer the call, but you through option over options and then hang up. I have been through ever option and no one will answer the phone.

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 2017-07-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Using the chase website, I received a notification in early XXXX 2017 about a promotion for opening a checking account with chase ( {$300.00} ). I printed out the promotion paperwork and went to my local branch to open an account ( as directed promotion paperwork ). The chase banker who helped open the account must have inadvertently not entered the promotion code. I 've waited patiently for several months ( after meeting all requirements ) for the {$300.00} to post. I recently called in to confirm the details and chase said that I did not properly enter the coupon code in my application. I recommend chase review their security camera footage from the branch in which i opened the account, and issue the {$300.00} as promised. There was no way for me to confirm the coupon was entered correctly. I made every attempt to provide the proper coupon details to the banker and he assured me that he properly entered the coupon correctly at the time of application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am currently traveling, but wanted to go ahead to get a soft credit check for a solar installation quote. It was a total breeze to unfreeze XXXX for the quote. However it is utterly impossible to talk with Experian. I do not have the freeze pin on me. 
I tried calling too many times, at least 10 times during the listed working hours on Friday XX/XX/XXXX and Monday XX/XX/XXXX. It is completely and utterly impossible to speak with a person. I tried resetting my login to unfreeze online and it doesn't know my birthdate and social security number, both of which are obviously correct. I am also getting error messages with my correct email address again. It is imperative to speak with an agent, however, there is NO WAY to speak with a real person. The automated voice leads nowhere. It is unacceptable to not be able to solve problems in a timely manner. I can not move forward because of this issue. And phone calls to Experian are useless. Why is it not possible to talk with a person??? Total blocking of a phone connection should not be legal. Experian has unacceptable customer service

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XXXX/XXXX/2021

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