BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When applying for my mortgage I was advised that my Navient student loan was showing delinquent for earlier this year. I was confused as this account has been in deferment. I quickly contacted Navient and they advised me that it was indeed an error and would be correcting the deferment ASAP. They will not provide me a letter stating the correction was made other than the account is now back on deferment. They stated that the credit history would be corrected on the next reporting. The problem is, Navient only reports once every quarter which is too long because my home will be ready in less than 30 days. They advised me to place a dispute with the bureaus, which is ridiculous as the error lies with them not the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Debt Recovery Solutions, LLC
State: NJ
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:
XXXX and Debt Recovery Solutions , LLC refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, one for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, Debt Recovery Solutions , LLC, which last reported this old debt on XX/XX/2018. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've had a Citi Bank Card for years and haven't had any problems, in the last two months I've had to Cancel my card twice.

I keep getting fraudulent charges on my card, it seems to go thru, I asked the Credit Card Company what I can do to prevent it and really didn't get my answer. I know it's hard to stop this stuff but twice in two months? And then I have to wait on another Card, I know it takes time to send them out.

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 2018-06-25
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have spoken with XXXX about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with XXXX I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
There are several inquiries on my account that I did not authorize. I have tried disputing these with the company but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: VA
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:
In XXXX I was a victim of fraud and the XXXX XXXX Breach and I have been disputing items on my XXXX and Experian credit reports ever since. I also had XXXX in XXXX and it took me a year in which to recover so I was not working during this time either which means there was no way in which I was applying for any type of credit. I had no income. Every time I dispute items especially with XXXX they do not update the information accordingly if at all especially as it pertains to items and accounts that are closed and need to be deleted and removed from my credit report with them. From XXXX to the XXXX I have been working on my credit reports and credit scores in verifying information that is mine along with information that is not mine with XXXX and Experian. As of today XX/XX/XXXX my credit score with Experian is a XXXX and XXXX is a XXXX. My credit score is up and down as it pertains to XXXX and why I do not know because of the fact that I have XXXX out of XXXX accounts in good standing along with inquires that have also been removed, accounts closed, so why is my credit score a XXXX? When items are removed off of your credit reports and updated your scores increase not decrease. XXXX is reporting items that have closed on my account with {$0.00} balance and then with balances so it is affecting me more than once along with my scores being accurate. XXXX is the only credit bureau thus far that has updated my information accordingly and my current credit score with them is a XXXX as of XX/XX/XXXX. When, I dispute information with XXXX they drop my score instead of completing the updates in which they were instructed to do.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the following account are unknown unverified accounts : 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 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I ( XXXX XXXX XXXX paid off my XXXX Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both trans union and XXXX XXXX XXXX  and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX XXXX and waited on a response, still nothing has been done!

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 2020-07-30
Company: ALLY FINANCIAL INC.
State: MA
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:
How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on the dates below from XX/XX/2020 for 30 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2021-06-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back in XX/XX/2021 my Account was closed at Citibank they never contacted me to let me know of any supious activity on my account. We XX/XX/2021 the account was closed and they say it would take if to 30 to 60 days to receive my remaining balance after closing the account which is XXXX. I called in XXXX to see if they mailed the check and they say yes back in XX/XX/2021. Now I have not received the Check. I called to see if it was returned cashed or just returned..why did I ask that..the rep asked me to verify my address phone number d.o.b everything for her to put me on hold for 40 minutes for her to tell me to call back wen I can verify my address..what??. I have been dealing with this matter since XXXX. I've lost everything behind this Citibank and they act like they don't care..I just want my money and try to get my life back..please help.I called today XX/XX/2021 and I'm still getting the run around. They say they sent 2nd check but nobody at Citibank that I've talked too can tell me anything..I 'm tired of dealing with these people I feel they are XXXX me and trying to keep my money..I don't know please I just want my money. Its been too long for an account to be closed since XXXX and here it is XXXX and I have not received anything. Its like if I don't contact them about my money then they won't reach out to me and let me know something..I asked them was there a tracking number the rep says no. I ask can y'all XXXX the check the rep says no. But they XXXX me a debit card wen they blocked my old card. I'm really thinking I need an attorney cause this just don't make since..ill never ever use or recommend Citibank to anyone.. I just want my money ... they told me that they were sending a letter to explain about my check I haven't received nothing. They won't let me speak to a manager or supervisor.. They speak in a language I don't understand.they hang up on me many times.. This frustrating.CPS has taken my kids..I lost my job. I lost my car. I've lost everything behind this bank and still have not received a dime if my own hard earned money..and all they can say is " Oh I'm so sorry to hear that.. '' But unfortunately you have to call back ... I'm like for what I'm on the phone with you now..and just like that the phone hangs up and here u go again crying yelling screaming cause u can't get any any help. I don't have any documents to send. They haven't contacted me for nothing..if I didn't call them they wouldn't contact 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 2018-05-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I scheduled {$3500.00} transfer from XXXX checking to XXXX XXXX checking acct. A week later XXXX sent e-mail saying there was insufficient funds in acct and suspended future transfers. I have acct balance over {$8000.00} in checking and {$3000.00} in savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX placed a collections and theres 0 information on it. There has to be an error.

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 2019-03-04
Company: Nelnet, Inc.
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:
In XXXX I got the loan from XXXX And I left school without finishing my XXXX XXXX XXXX 
The loan was misapplied. 

I have been paying the loan on and off and taking forebearence when I had hardship From XXXX to XXXX I paid but was never given an itemized statement to show how much I paid. 
In XXXX I was officially XXXX. To date. 
My benefits analysis reads XXXX officially disable Next review date after 7 years XX/XX/XXXX Nelnet takes over the loan and never transferred the balance. 
Never treated me fairly and always claims never received my benefits analysis Used tax loophole in XXXX and had to file spousal Injury On XX/XX/XXXX called US department of education. XXXX XXXX XXXX XXXX Spoke to a lady by XXXX and mentioned my account does not e its and has been closed since XXXX So then my social security money has been deducted for three months No itemized zed balance and records Filed in jury spouse my husband and child credit was refunded. 

XXXX Now has got national credit using robo calls on weekends I have sent a debt validation letter to XXXX XXXX XXXX and department of education No reply from both Best wishes XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
opened online XXXX account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX 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 2021-06-02
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I was shopping for a mortgage and got in touch with Rocket Mortgage. I spoke with XXXX XXXX NMLS XXXX. I wanted to delay applying but he pressured me into applying. 

I submitted my application the same day, informed Rocket Mortgage ( Mr. XXXX XXXX that I had applied and asked what the next steps were. 

XX/XX/XXXX, Mr. XXXX asked the basic details of the transaction XXXX principal amount, loan amount, etc ) and I provided them same day. I provided a signed contract XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. XXXX of another banks offer. He told me he would speak with his director and get back to me that same day. Mr. XXXX never got back to me. 

I am disappointed that I was never provided any offer for a loan, provided a loan estimate, but was also not rejected. My understanding is that banks must provide a reason for rejecting you. By never getting back to me after weeks and months, this was the equivalent of rejecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Comapny name merchants credit in Washington state continue to threaten me and family .By send representative to my house and threatened my minor son who is XXXX XXXX if he doesn't call his father now.Threw papers at him since he didn't understand anything .This company merchants credit continue contact me even after i told them to stop.It was medical bill around {$1800.00} dollars That was due to an accidents another party hit me and i advised XXXX XXXX XXXX the original creditor that my injury attorney is working on it .XXXX advised me that merchants credit association is no longer their collection agency and they are not using because of repeated abuse and complaints.Merchants credit association and to threaten to sue me and harm my family to collect the bill .I told them several times to stop.Still continues to threaten by phone thru mail in person and thru credit reporting .This abuse need to stop.

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 2018-05-07
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was at work when my bank notified me that a {$9200.00} hold had legally been placed on my joint account with my wife. I went to the branch and they said a law firm had gotten a judgement against me and placed the hold, at which time the branch found out the firms name and number for me. I called XXXX XXXX XXXX and they said they had a judgement again me from XX/XX/XXXX for a company called XXXX XXXX, who originally bought the debt from XXXX XXXX XXXX. They say I owe for a credit card through XXXX from XX/XX/XXXX or XX/XX/XXXX, got a different answer when I called back a few hours later, for an amount of {$4800.00}. The account number they gave me doesn't even match the information I have from that time because I have credit reports from when I bought a house through XXXX   in XX/XX/XXXX. Unfortunately I went into foreclosure in XX/XX/XXXXdue to the financial collapse and have lost all credit since then. I have no idea what this account is that they're talking about nor do I remember EVER having a credit card with that high of a limit. Even when I had a XXXX score my largest card was only around a {$2000.00} limit. These accounts have been closed for years, I have never received any mail, certified or not, or any notice of some sort of judgement. As of today my account is - {$9200.00} with a legal hold on it, I can't buy food for my family, pay bills or even get gas to go to work. My wife and I are financially lock out and can't pay any family bills or anything, we only made a combined income of {$30000.00} last year with XXXX kids to feed, how is this legal. 
I am sending a copy of the credit report from XX/XX/XXXX that has a XXXX credit card on it with a balance of only {$1400.00} and ends in XXXX. They said the account I owed for ends in XXXX, but is not on my credit report.

Company response to consumer: Closed with explanation