BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: NY
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 came off of forbearance with Navient and was told my payments would start XX/XX/2018. I went back and forth over a period of 2 months trying to get my account in an income sensitive status to lower payments. When it finally went through it was XX/XX/18 and then they immediately sent an alert on XX/XX/18 that my payments were overdue. How could my payment be overdue when my account was just fixed? Plus, again I was told it wouldn't start up until XX/XX/XXXX. Now they are telling me the agent that said XX/XX/XXXX might have made a mistake. This is unacceptable. They then told me after putting me on hold for 40 minutes that an advocate would get back to me. I am sick of getting misinformation and misinformed from Navient. I have XXXX XXXX and they always XXXX me out. I am doing everything on my end. How is it that they are able to get away with this kind of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: ID
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:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: Paypal Holdings, Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX at XXXX XXXX. someone changed my e-mail address and phone number and security questions on my pay pal account that I had opened in XXXX. I started receiving emails at this time about this issue.I called pay pal on XX/XX/XXXX and XX/XX/XXXX as the fraudulent actions continued. Pay pal can not retrieve my account from XXXX, and will not close the fraud account opened on XX/XX/XXXX. They suggested I try to make a police report or retain a lawyer as they COULD not help me in any way.I went to the police station who informed they couldn't help unless charges had been made. I just want both accounts to be completely deleted and closed and pay pal refuses to do so. My checking account and debit card are also connected to my original pay pal account I opened in XXXX. They acknowledge that this is fraudulent activity on my account with them but are doing nothing to help me resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased 4 concert tickets for a XXXX  show scheduled for XX/XX/XXXX from XXXX for {$1000.00}. First I was informed that the concert was postponed due to covid19, then on XXXX XXXX  I received an email from XXXX that the concert was cancelled and I would be receiving a credit worth 120 % of my purchase price for any future show of my choosing.I then called Capitol One Credit Card Customer Service and explained that I had received the email from the vendor and that the credit does not work for me. Capitol One agreed with me and removed the charge from my account within hours. Then on XX/XX/XXXX I received an email from the vendor that the dispute had been resolved in the merchants favor and I would have a 100 % credit of my origional purchase price with the vendor and the charge was returned to my card. I followed up by disputing this with Capitol One who said they understood my position and would file an appeal. I submitted all correspondence with XXXX and a rebuttal stating that I never purchased a credit and it wouldn't work for me and that I wanted a refund. On XX/XX/XXXX I received an email from Capitol One stating that they could not assist me. That because the vendor offered a credit they would accept that as satisfying me despite my verbal and written communication that it does not. I was told XX/XX/XXXX of XXXX, four months after I purchased my tickets that " a new policy '' dictated taht I could only receive a credit. This new policy was based in their words on " due to the completely unfoseen and unprecidented epidemic we are no longer able to offer refunds for events that have been cancelled. '' This new policy could not apply to me as it was not in effect when I made the purchase. Also if by the vendors own words Covid19 was unforseen and unprecedented, it couldn't have been covered in the policy I purchased tickets under. I purchhased 4 concert tickets and never received them. The vendor has no right to keep my money and offer a credit that I don't want. NY is shut down for concerts with no telling when they may be available again. Given that, a credit is useless. Just to be clear, I do not want a credit. I did not receive my purchase, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
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: Public record information inaccurate

Complaint:
I received a copy of my credit report and there is a Chapter XXXX Bankruptcy Discharge Ref # XXXX. I have never filed for bankruptcy and asked that you have the bankruptcy removed from 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 2020-11-02
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/20 ( est ) - Applied for XXXX XXXX XXXX XXXX XXXX ( Synchrony Bank ). Did not receive instant approval. Realized shortly after my credit was frozen with all 3 credit bureaus due to fraud protection. Contacted Customer Service. Representative agreed frozen credit would cause the instant denial and suggested that I contact the credit bureaus to unfreeze credit and reapply. 

XX/XX/20 ( est ) - Unfroze credit with all 3 credit bureaus per Customer Service suggestion. Reapplied and received same denial result. 

XX/XX/20 ( est ) - Contacted Customer Service again. I was advised to wait 30 days before reapplying. 

XX/XX/20 - Received 2nd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - After waiting 30+ days, unfroze credit with all 3 credit bureaus, reapplied. Same denial result. 

XX/XX/20 - Received 3rd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - Contacted Customer Service. Spoke with XXXX, XXXX XXXX XXXX Account Manager. I was told the application was automatically denied and there is nothing else that can be done. 

I have excellent credit and have never been denied credit approval. I am also already a current Synchrony Bank customer in good standing with a different store card. Since these credit denial decisions were clearly not based on my credit, I feel that I am a victim of discrimination.

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 2018-03-02
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago I was contacted by National Credit Adjusters about a payday loan they claim was from about ten years ago. I informed them then that I do not have nor have I had a pay day loan. I informed them I disputed the debt and requested proof, which they said they would send. A week or so later I received a packet addressed to myself from them. When I opened it, it was documentaion for someone from California, including what I would consider private personal confidential information. I immediately contacted the collection agency and informed them that they did not send me proof of anything, but in fact sent someone else 's personal information to me. The girl told me I could go to jail for opening someone else 's mail. I explain the envelope from them was made out to me, I did not open someone else 's mail. She asked again how I wanted to pay the bill and again I told her I dispute the debt and wanted proof which she said she would send. Nothing was received after that call. I received a call from someone again a couple weeks ago asking how I wanted to pay the debt. I explained everything to him, explained I've already disputed this twice and that they have never sent me any proof this is my bill and I was not paying something I don't owe. He said he would send proof, which again I did not receive. A few days ago another girl called and we went through the exact same thing. I also told her I dispute this and that she never sent me proof. She sent me a letter stating that I and 'National Credit Adjusters were not able to agree to a payment arrangement on the account referenced '. That is not an accurate statement, as I have DISPUTED this on multiple occasions and on at least three occasions I have requested they send me proof, which has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, I sent a letter to XXXX XXXX asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from XXXX XXXX. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act XXXXt Accounts : 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 an account without my written instructions.

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 2023-01-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.

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 2019-11-05
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ACCOUNT IN REFERENCE IS NOT RECOGNIZED AND IS NOT VALID.

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 2020-11-20
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During the fall of 2018, I had fallen significantly behind on payments on a credit card that I had with Elan Financial Services and had entered a payment arrangement with them to avoid having my account go 120 days past due and fall into " charge-off '' status. 

My account was set to go into " charge-off '' status on Friday, XXXX XX/XX/2018. 

Through no fault of my own, the first payment that I was going to make as part of the payment arrangement had gotten delayed in the mail and wouldn't arrive until the Saturday, XXXX XX/XX/2018. 
I called Elan Financial Services on Thursday the XXXX and Friday the XXXX to inform them of my predicament, provide them a tracking number for the envelop that I had sent the money order in ( as well as the serial number of the money order ), and see if there were any solutions whereby we could avoid having my account charged off. 
On Friday, XXXX XX/XX/2018 at approximately XXXX Eastern time, I was able to speak to a male supervisor at Elan Financial Services . This supervisor indicated that I had been misinformed about my account status and that the charge-off date was not until late XX/XX/2018 XXXX I do not remember the exact day that he told me ), and that as long as my money order was in their mailbox on Monday, I'd be fine. 

By Monday, XXXX XX/XX/2018, I realized that my account had in fact been charged-off so I called Elan Financial Services and spoke to a supervisor named XXXX ( her direct line is/was XXXX ). I described the situation to XXXX, who indicated that she would have to look into it and call me back. 

On Tuesday, XXXX XX/XX/2018 at approximately XXXX, XXXX did call me back to let me know that she reviewed all of the information and phone calls and that the male supervisor was indeed mistaken when he informed me that my account would not be charged off until late XXXX. Due to his error and the payment arriving late being no fault of my own, XXXX indicated that Elan Financial would not report my account as charged off/past due/delinquent to the credit reporting agencies. 

For the following two years, I have tried multiple times to have my credit reports updated, but it has not worked. I have disputed directly with the three bureaus as well as Elan directly, and they have made some changes, but my account still variously appears as delinquent/charged-off/past due ( depending on the credit reporting agency ) even though I have since settled the debt with them, hoping that this good faith move on my part would cause them to hold up to their agreement. 

I have been denied additional credit/increases on existing lines of credit multiple times since XX/XX/2018 directly due to Elan Financial Services not updating their reporting.

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 2020-11-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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've attached the email I've sent to BMO Harris/ DINERS CLUB INTERNATIONAL CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including BMO Harris. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that BMO Harris Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to BMO Harris ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

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 2020-11-20
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collector Waypoint resources that has been on my credit report it is not my debt and I have disputed it know 2 -3 times and have put a statement on my credit report about this debt collector along with other incorrect data I have had .I have no knowledge of this and I am cleaning my credit up and this one will not go away and very unprofessional employees they have at this business ..please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX, bought an XXXX from dealership, in XXXX, Ohio. Lender was XXXX. I also had to add insurances of various types, so I would be approved, they said. I paid on the vehicle for 3 years, and it was repossessed by a Lender called Santander, aka, SCUSA, aka US Santander. It was sold for XXXX, and they told me i needed to pay off the note which they claimed was XXXX. Not only did 36+ months of XXXX were made, after reposession caused me to lose my job, and ended on streets. I know there was a class action suit against Santander this year, as I read today, XXXX XXXX. However, if I knew about lawsuit, I would of gotten involved. I would of done more than report to credit bureaus about their unfair practices. They ruined my credit, my life, my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
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: Reporting company used your report improperly

Complaint:
There are old items still effecting my credit score. Regardless of exceptional payment history, the XXXX and TransUnion scores never increase to the accurate scores.

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