BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.

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 2017-08-10
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: Old information reappears or never goes away

Complaint:
I am having a issues with the rep XXXX to help dispute items that are over the statute of limitations and she is telling me to contact the debt holder but these items should be removed because they are over the 7 year limits and some have been transferred to another lender and reporting on my report twice. Equifax refuses to remove or help me dispute the items listed below. XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$2200.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs, 6 mos ) Term 120 months XXXX XXXX XXXX Closed : XXXX XXXX, XXXX - {$0.00} Closed Overview You 've paid off 100 % of your student loan amount. Balance {$0.00} Highest Balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 8 yrs, 5 mos ) Term months {$410.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$410.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term 6 months XXXX XXXX XXXX - {$210.00} Closed Overview You 've paid off 100 % of the original amount. Balance {$210.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 7 yrs ) Term months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: Transcontinental Credit & Collection Corp
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: Their investigation did not fix an error on your report

Complaint:
I lost a XXXX  last XX/XX/XXXX and went to XXXX XXXX  in XXXX. I was told it would be XXXX for all the work to be done. I will admit I was in pain and not paying complete attention. I had XXXX XXXX  XXXX   a XXXX XXXX and I have a XXXX XXXXXXXX XXXX XXXX. I have been calling since XX/XX/XXXX asking for a detailed bill. I have yet to receive that or a call and now I am getting late payments on my credit report. I want a detailed bill. I feel ripped off and now Im really angry this has taken too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: PNC Bank N.A.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC was contacted on XXXX for a request of 12 month mortgage forbearance and re-amortization. I was told that they only off 3 month payment deferral and then the three payments are due. 

I have been told that mortgage loans need to offer 12 month forbearance with modification agreement and no impact to credit rating. 

I need to learn from CFPB what is required and if PNC needs to offer the 12 month forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IQ Data - XXXX XXXX {$5300.00} XX/XX/2019 I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively Rent debt Tailor common medera {$1900.00} I called on multiple occasions faxed in required police reports and identify theft affidavits but they still will not remove from my credit report and it is impacting me negatively. 

I even confirmed with the manager of the property that this wasnt my debt and they agreed to remove it. However, when I disputed the amount through the credit bureau they are declaring it as my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CCS Financial Services, Inc.
State: CO
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 was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains onXX/XX/XXXXand XX/XX/XXXX Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was paid in full on XX/XX/2018 ( acct XXXX ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX. I received an alert from my credit reporting agency that XXXX has reported it 30 days late even though it has a " XXXX '' balance. This reporting inaccuracy has caused my credit score to drop by 22 points!

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 submitted a complaint on XX/XX/2020. COMPLAINT ID XXXX. 
This is an update comaint to provide more important information on documented proof that Capital One acct ending in XXXX purposely is stalling the posting of electronic ACH BILLPAY payment in order to generate late fees I didn't deserve. Regarding they took 8 days to post the last one, charged me {$25.00} late fee when i was within all requirement. See other complaint for info. I made another payment on XX/XX/XXXX. This time it took only 2 days to post. The reason this is important is that my due date is not for 15 days from now so they couldn't stall intentionally to force me another unjustified late payment fee. See attached documents for verification. 
PREVIOUS COMPLAINT INFO : My CAPITAL ONE ACCOUNT LAST 4 ARE XXXX and payment was due on XXXX XXXX. I made an electric payment thru BILLPAY on XX/XX/XXXX. I have used BILLPAY for over 15 months on this account. They ask to allow 4-5 days for credit to post. It took CAPITAL ONE 8 days to post the " ELECTRIC ACH '' credit. They charged me {$25.00} late fee. I have months upon months of payments with them and NONE OF THEM took 8 days to post. It is obvious they are stalling crediting to increase their profits lost by covid purchases. I called capital one and billpay and neither will accept the fault when I did my part as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-04
Company: Regional Management Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX acct : # XXXX, prior XXXX took loan out interest rate:31.876 % :  credit life insurance : {$19.00} ; personal property ins. {$32.00} amount financedXXXX.never requested life insurance that only covered the loan, and {$19.00} was taken monthly, with a termination date of insurance on XXXX.I then reported the high interest rate to consumer protection and then management, XXXX XXXX, reduce the interest rate to 19.945 % on a bill from XX/XX/XXXX, that was {$1400.00}, since XX/XX/XXXX, I only paid {$700.00} into my debt, and the rest went to Interest? Please investigate! I am a Widow of an American Veteran, a single senior citizen, I believe in a higher power that I have to answer to! But I am become vulnerable to the con-artistes in XXXX County! I had gotten behind in my payment due to homelessness that was done deliberately by XXXX XXXX, a 33  year XXXX XXXX I had a work-at-home job, that he sabotage, by burning his condo down and XXXX  his girlfriends 2 cats! I thought the property Insurance at Regional Finance would help me, but it did not! They did not help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: MA
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 took out a refinance loan from XXXX XXXX XXXX ( XXXX ) to pay off two of five of my federal direct student loans serviced by Navient. The loan was funded on XX/XX/XXXX, and Navient indicates the payment was processed on XX/XX/XXXX. The payment from XXXX to Navient was made via wire transfer, with explicit instructions on which loans the payments were intended for. Navient applied the payment across all loans on XX/XX/XXXX. I called XXXX to confirm the payment was sent to Navient with those instructions on XX/XX/XXXX, and they confirmed this. I called Navient to rectify this on XX/XX/XXXX, and they claimed they would now apply the payment to the correct loans. The payment was applied to the correct loans, loans XXXX and XXXX were considered fully paid off as of XX/XX/XXXX, and a refund of {$110.00} was issued to me for the amount of the principal my normal monthly payment reduced the refinanced loans by. Loan XXXX is now currently showing a balance of {$79.00}, and {$26.00} of my XX/XX/XXXX payment was applied to loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Application to open A 1 year Cd account at BMO Harris Bank online at ad interest rate of 1.65.. Bank ' processing dalay in funding the account from my XXXX XXXX  , to my surprise I received email from BMO Harris Bank stating that initial deposit in my CD account {$100000.00} is complete funding from My XXXX XXXX. Having No further details of the account, I tried unsuccessfuly calling Bank multiple time requesting status of my CD account about rate of interest, maturity date, account number etc. Finally after few days, I got access to my CD account online when I found out the interest rate is so much low is assigned to the account. It is way lower than my XXXX XXXX  rate 1.30 It is unreal for me to move money from Bank patying 1.30 to BMO bank f paying 1,14. I tried to request to reverse money back to where it came from. or adjust rate up. No response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi bank shows that I have missed a payment on XX/XX/2017 and tried having my credit line increase & tried to contact them to have it resolved but didn't get a solution.it 's definitely impacting my credit score and would like to have the late payment it removed from my report as well as get a higher credit line.

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 2019-03-11
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Navy Federal Credit Union has reported a status of 120 days late on all credit bureaus. As I had investigated the payment history a little further, I found that the company has no information on the matter of late payment history data under my name or accounts history. I have attempted to correct this matter with the credit bureaus only to be told a reinvestigation would take place, wait 30 days, then a response of nothing because they think my dispute is frivolous. Have received written correspondence via email showing a pays as agreed box checked which means zero or no late payment history should be present on the account, as a status or otherwise. I need this information immediately corrected across all reporting companies and bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C systems is trying to collect debt of {$900.00} from me for a medical bill they claim I owe. I previously wrote a letter demanding that they comply with the fair debt collection practice act and fair credit reporting had this removed from the credit report and it continuously get placed back on my reports. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2021-02-25
Company: CITIBANK, N.A.
State: NC
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 had a Citi Prestige credit card last year. On XX/XX/XXXX, I was charged an annual fee. Immediately following that I called to transfer my Prestige card to a Rewards+ card. The annual fee should have been refunded to me at this time. But it was not. 
A few weeks after I got the Rewards+ card, I decided to close the account. 
It has been more than two months and the annual fee I paid on XX/XX/XXXX has not been refunded to me yet. 
I called their customer service line. The representative said the annual fee was refunded in XXXX of XXXX, but nothing is there.

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 2018-03-05
Company: Southern Auto Finance Co
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: Credit inquiries on your report that you don't recognize

Complaint:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask SAFCO ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with SAFCO is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. *** NOTE : SAFCO ( Southern Auto Finance Company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loans has been taken over by Navient, and I've always had an issue with trying to repay my loan. I've would like an affordable income driven repayment plan, but it seems all that I've ever been offered when I fill out paperwork for income driven repayment plan is to XXXX back, and this amount is what I owe for a year. All the while I know that I'm accruing another year of interest. I've spoken with Navient representatives about trying to just mail XXXX a month or something affordable and was told none of that would even go toward paying off the principle because I owe way more than that in interest every month. Another representative told me once that I should defer my loan for the next 20 years because after that it would be forgiven anyways. I've felt something is wrong with Navient ever since they took over my loan. I will never be able to pay this loan back with how high my interest rate is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is regarding 3 XXXX credit cards that have been already closed and I dispute any card closure that is associated with me ( If even closure has to be posted on the credit report then there should only one closure for the account due to the fraud related with the credit card, there are closing of same credit card with three entries ). I have already filed a police complaint about the misuse of the credit card and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. Please remove the three entries of the closure of the same credit card that has been posted on my credit report, for which I am not responsible.

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 2020-11-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation