BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: SLM CORPORATION
State: CA
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 private student loan came due in XXXX of XXXX. At that time I was unable to make the roughly {$300.00} payment. I chatted with Sallie Mae and asked if there were possibly any repayment options available to me ( this was before the due date ) and they had told me my only option was to go into forbearrance. I did that and that pushed the payment out until XX/XX/XXXX and interest was still compounded in that time. Once again the payment comes due in XXXX and once again there is no money in my budget to pay the now due loan payment. ( Currently in my budget it's the choice of eating or paying my student loans, to put things into perspective. ) I chat again with them and make them aware of my situation to find out that they now offer re-payment options after interest has already compounded in the forebearrance time. I was appaled to say the least, since that's the exact lawsuit XXXX is going through. They provide me contact information to submit a Hardships application, which I tried multiple times to get ahold of that department and every attempt I have been able to make, they are too busy taking other calls/chats and I have record of that as well. All in this time they are harassing my SO and I with calls and emails about making a payment. Sallie Mae needs to be sued along with XXXX as they are doing the same deceptive practices and this can not go on any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have had this issue with this company before, they are reporting a public record on my credit report that is not mine and I am having to submit a complaint to get assistance with removal of this inaccurate information. XXXX XXXX is the company that they normally use to verify public record data and I currently do not have anything reporting to my account. I would like for this to be corrected and the information removed from my credit reports immediately. This is the fourth time I have had to send in a complaint to CFPB and i would like this item removed asap. 


I am a victim of ID theft and I have provided proof to the bureaus previously.

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 2023-06-23
Company: Continental Finance Company, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made a payment yesterday for the amount of {$150.00} to my XXXXContinentalFinance Mastercard credit card. This amount has already cleared my checking account but Surge isnt releasing the available credit line that should be available to me. This has never been a problem in the past when I have made a payment the same exact way. When I called them they stated they had recently change their policy. It now takes two business days for the new credit line amount to be available. That is unacceptable to me if they already have been paid by me. They also said that I could make a payment by using a debit card but that option isnt available on their website only by calling in to talk to a customer service rep and paying a fee to process a payment with them. This is totally unfair to me as their customer. I have been an excellent paying customer since I open this credit card. Please call them to get this issue resolves See attached document that show Continental Finance who is XXXX has been paid {$150.00}. This isnt a pending charge. The amount of {$150.00} has been taken from my checking 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 2022-03-16
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: Was not notified of investigation status or results

Complaint:
On XXXX XX/XX/XXXX I sent a certified letter to the creditor per XXXX credit bureaus response. The response was that the creditor has certified to XXXX that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested XXXX credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now XXXX failed to do so. 
On XX/XX/XXXX I filed a dispute to XXXX and Transunion credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. XXXX  ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH TRANSUNION ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau XXXX and Transunion report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.

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 2019-05-09
Company: Bread Financial Holdings, Inc.
State: TX
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:
On XX/XX/2019, I was checking my credit score. When I came across the information, concerning one of my credit cards with XXXX XXXX XXXX XXXX/Comenity Bank. It appears my credit limit was lowered again without my knowledge. I have never been late and I'm working on my credit, in order to improve it. Now, since the Comenity Bank lowered my credit limit and my credit utilization is high causes my credit score to be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Netspend Corporation
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:
Since mid XX/XX/XXXX, I can not logon to my netspend account. 

I sent this e-mail to there " XXXX '' several times. 

" I can not logon to my account at -- https : //www.netspend.comXXXX --. 

I get redirected to a web page that displays -- Do you know that your XXXX XXXX is out of date? 
To get the best possible experience using our website, we recommend that you upgrade to a newer version of a web browser. Here are some recommended web browsers. 
Just click on the icons to get to the download page : -- I have -- XXXX XXXX XXXX -- and it will not expire for several more years! 

Please forward this to your IT Department to get this issue resolved. 

Thank you J '' I finely received a phone call back, telling me that they were no longer going to support -- XXXX XXXX XXXX -- but he would pass this on to upper management. Then I received this e-mail : Dear Cardholder, Thank you for contacting Netspend Customer Service! 

As discussed, I am sorry to hear that you are having problems accessing our website and I understand that you are frustrated and would like to file a complaint. 

Please be informed that beginning XX/XX/XXXX, our Online Account Center will no longer support XXXX XXXX XXXX. When you access your account online through XXXX XXXX browser, you will be redirected to a page asking to use a different browser. Supported browsers include XXXX, XXXX or XXXX. 

Also, I am going to send your complaint to my Manager, who will review it and forward it on if necessary. Someone from the corporate office will contact you directly within the next 2 business days. 

I apologize for the inconvenience this has caused you. 

Thank you for choosing Netspend. Have a great day! 

XXXX Customer Service Agent

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 2023-08-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US Dept of ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX :  # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account 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 2022-02-10
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: Information belongs to someone else

Complaint:
I am submitting this complaint because I am very unhappy and disappointed and stressed. My husband and I are trying to buy a house to move our family into a nicer neighborhood and in the process of repairing my consumer report. I sent Experian an identity theft report thru the FTC and they are stating that the report I sent they can not accept because it wasnt from a law enforcement agency. I was reading some of the resources that the CFPB provides and it states that the report can be from a state, federal or law enforcement agency. So I am confused why Experian would see a reply like that when the FTC is a government or federal agency. In addition it is asking for additional information I had already provided. This is a very serious matter. I believe experian is giving me the run around in resolving this matter. I provided everything that was needed for a identity theft complaint or dispute. Identity theft can be committed by companies as well not just human beings or people like me. That is what I gathered from the reading material from the resources on the CFPB website. I have doing some study because we have to move out of the neighborhoos my family is in because it is dangerous. And EXPERIAN is making it difficult by not doing a proper investigation and prolonging the outcome by asking for things that have already been provide. Is this conduct violating some type of federal and/or state laws. This is very frustration aslo because their automated system gives me the run around when trying to speak to a live person. This is very stressful and the neighborhood is dangerous. I fear for my family safety. Isnt it a time limit to delete the information that came from the identity theft? I believe the resoures say it is 4 days from the time that EXPERIAN receive notice. The information is still on my consumer report. I need help with this because EXPERIAN is allowing this to ruin my consumer report and is trying to pray on my ignorance of the law by asking for information already provided. In addition I can not speak to a live person. I feel this is delibrate, it is unfair, and unamerican

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 2023-07-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I CHECK MY CREDIT REPORT AND NOTICE I HAD ACCOUNTS AND FRAUDULENT INFORMATION ON MY CREDI T PROFILE I CONTACTED TRANSUNION, XXXX  AND XXXX I ALSO MAILED THEM THE DOCUMENTS THEY REQUESTED ASKING THEM TO BLOCK AND DELETE THE INCORRECT INFORMAION THEY HAVE YET TO HELP ME WITH THIS PROBLEM

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 2021-03-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes XXXX failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of 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 2021-05-04
Company: Experian Information Solutions Inc.
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:
On XX/XX/2021 I requested information on removing my loan account off a forbearance plan and requested information on deferring my payments. The response from XXXX referred me to a site to apply for a deferred payment plan, which I had questions about. 
On XX/XX/2021 I made another inquiry about deferring my payments and XXXX  again responded with a link to apply for this option online, which I did not do. 
On XX/XX/2021 I opted to pay the forbearance balance due in its entirety to bring my account up-to-date and current so that my credit report would show my account was in a positive status. I received a response from XXXX on XX/XX/2021 acknowledging my request to remove my account from forbearance. 
On XX/XX/2021 I requested a formal letter from XXXX acknowledging my account was current and in a non-forbearance status. 
On XX/XX/2021, XXXX responded and acknowleged that my account was in good standing and was told I would receive a letter in the mail but as of XX/XX/2021, I still do not have this letter. Additionally, credit reports are showing and have been showing for several weeks that my account is non-delinquent however it notes that my payments are deferred effective XX/XX/2021. This is incorrect, and I have called more than once and sent communication to XXXX requesting this be changed immediately and updated with the appropriate credit agencies. 
On XX/XX/2021, I opened a dispute via Experian against XXXX  erroneous reporting of my account status, and to date, it is still unresolved. This is a disappointing measure I have had to take to get this resolved and removed from my account. 
On that same day I called XXXX again about this error on my account status. The representative told me this was an error on XXXX part, that my account was current, that I never agreed to put my account on a deferred payment plan, and that my account should not reflect that my payments are deferred. The representative said she would escalate the issue to her supervisor and that it would take a couple of days to update. 
On XX/XX/XXXX, I called XXXX for an update and was told my account would be resolved that day, XX/XX/XXXX. I also asked for my billing statement for XXXX, which I was also told would be sent that day, but it was not recieved as of XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX for an update and have now been on hold just to speak with someone regarding my issue for 28 minutes. 
As of today, XX/XX/2021, nothing has changed on my 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 non-monetary relief
Consumer complaint received 2023-03-30
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:
I sent the credit bureau letters asking them to verify information and accounts on my credit report. They sent me letter back stating that the accounts are verified as accurate. I still have inaccuracies on my report. 

XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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