BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-29
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It is extremely difficult to repair and raise your credit score when you have multiple accounts for student loans. Student loans are high, and, unfortunately, falling behind means it affects your scores dozens of times. Student loans should be consolidated to one account so that it doesn't drag your credit score down. Low credit score because of student loans are having a harsh effect on the graduates quality of life which makes it even more difficult to pay back the student loan. This complaint is a call for legislation that would consolidate an individual's student loans into one account so that their credit score isn't so harshly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that XXXX is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling XXXX directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-04-13
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Regarding forbearance, which I engaged until XX/XX/XXXX. In XXXX, I signed modification papers, sent them and made the first payment in XXXX. Then I sent the second payment in XXXX and it was returned to my bank. On XX/XX/XXXX, I contacted Flagstar about it and was told they hadn't returned any payments - I showed them proof but they keep ignoring my request for help - and the fact that I'd notified them in XX/XX/XXXX of my divorce and Successor In Interest status. I have gone back and forth with them on several issues, to which they want to verbalize but do not want to put information in writing to send to me so I can actually look at it and make actual INFORMED decisions, unlike the modification I was forced to do in XX/XX/XXXX and the verbal arrangement ended up not matching the written - choice was sign it after making payments for 3 months or lose my house. 
In XX/XX/XXXX/XX/XX/XXXX, I submitted information after the forbearance had continued, to the loss mitigation department. They send letters stating information is missing and I keep resubmitting what is on the list but they won't send me a list of what's missing only a notice. 
They have not complied with several requirements - some of which deal with things being done in a timely manner. I file complaints, they jibber jabber and then the complaint gets closed even though all I am asking is for information about financing, missing documents, etc to be sent to me in WRITING - whether it be by Fax, Email or Mail. And they simply flat out refuse that they don't have to put anything in writing at my request..I have to call and talk to someone - from the same department that misled me two years ago. I have financing set up with another mortgage company but until this matter is resolved by Flagstar I can't move forward to assume the mortgage.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2020-10-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out several times to try to get this company to update the balance on the account to match the amount awarded in the judgement so that I can pay it off. The company claims I still owe the original amount. If I call, the representative is rude. If I reach out via email they do not respond. I am at my wits end and have contacted an attorney at this stage but thought it would be good to lodge a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
During the past XXXX months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.

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 2018-12-29
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent in via Overnight mail on XX/XX/2018 a Guaranteed Cashier Check in the amount {$2300.00} that exactly covers the Principal and Interest of my monthly mortgage payment. Seterus did not credit my account for the principal and interest which would have satisfied my XX/XX/XXXX Due  Date. Seterus has no reason to put funds into suspense account as the {$2300.00} is the exact payment necessary to satisfy my monthly mortgage payment. Seterus is willfully trying to cause my payments to be late by not applying funds and in addition not accepting two previous payments that had been made on XX/XX/XXXX and XX/XX/XXXX. This prompted me to make this payment via cashier check which should have guaranteed my monthly Principal and Interest to be credited toward my mortgage.

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 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and XXXX  's response is attached. I have also attached attachments for this referenced complaint. XXXX  claims XXXX XXXX needs my permission by stating " The company needs authorization  from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX GAMES? XXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.

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 2022-01-09
Company: ALLY FINANCIAL INC.
State: CO
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:
I have a few paid in full closed accounts on my report that I would like to request to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The {$100.00} that was deposited to open the business checking has not been returned back to me. To make matters worse and causing me stress, the Citibank branch and Citibank customer representatives would not help me at all. All of the individuals I have contacted/spoken to were giving me a round-a-round. Below are the facts of the this complaint : 1 ) the business checking account was opened last XX/XX/2020. A {$100.00} check from my personal credit union checking was deposited ; 2 ) Citibank closed the account last XX/XX/2020 and a letter from Citibank came and DID NOT EVEN INDICATE THAT MY {$100.00} WILL BE MAILED OR NOT ; 3 ) Citibank customer representatives were very rude, unhelpful, and were giving me a round-a-round ; I asked several times to speak to their supervisor and they told me they do not have any supervisor ; the representatives names were XXXX ( PIN : XXXX ) and XXXX ; the Citibank representatives from overseas were the ones who were rude and unhelpful ; the Citibank representative from USA were very nice and at least very respectful ; 4 ) I contacted the Citibank branch XXXX via email and over the phone and they told me that they can not help me ; 5 ) Right now, XXXX XXXX  is struggling due to COVID19 pandemic. WE are thinking of closing it if I do not get a turnaround in the next three months ; and here goes other people and Citibank company not returning my money for more than 30 days is tantamount to XXXX  and XXXX  me and my family slowly ; HELP ME AND MY FAMILY

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 2021-11-30
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: Information belongs to someone else

Complaint:
Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and Im nervous. I cant even sleep. I believe someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have started paying double the amount ( {$1000.00} ) of my minimum payment amount on my Care Credit Card after my promotional interest rate expired and my account increased beyond my limit. While reviewing the remaining balances on my two accounts, I noticed that my accounts were only reduced {$250.00} the following month ( XXXX Balances : {$1000.00} and {$8400.00} ; XXXX Balances : {$1000.00} and {$8100.00} ). The approximate total monthly interest on my account is {$320.00}. This means that about {$680.00} should be left to reduce the balance of the two credit accounts I have. I have called Synchrony Financial on various occasions asking about the {$420.00} difference. After more analysis of my statement, I have noticed that Synchrony Financial has not reduced my account balances because the total monthly interest is calculated based off of the remaining balance of my two loans ( individually ).  Therefore, they are getting more money from me ( in interest fees ) by not reducing my accounts accordingly.

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 2019-05-16
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, 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 2019-07-02
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:
My social security number was compromised, i spoke with Transunion about this issue and their customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2020-10-09
Company: EQUIFAX, INC.
State: AL
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:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2021-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA Savings Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Spring Oaks Capital, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account appeared on my credit report for an {$830.00} balance owed to someone. I have never been contacted by this company regarding any debt they purchased on behalf of anyone and since all my bills have been paid off, I do not owe anyone anything past due. This company failed to contact me with regard to any debt affording me the ability to dispute any invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2018-01-25
Company: EQUIFAX, INC.
State: TX
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 company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation