BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I made a scheduled payment to Navient on XX/XX/19. My payment was not late and it was made in full. 

On Tuesday, XX/XX/19, Navient proceeded to call my place of work. I work in a restaurant, and the owner of the restaurant answered the phone. He was unhappy that I had received a personal call on the restaurants phone line. I was also in the middle of a busy lunch shift and did not have time to talk to a representative on the phone ( about a payment that had already been submitted ). 

My manager later informed me of this phone call from Navient. I called my account manager to make sure that I had indeed submitted this payment, and she said that I should absolutely have not received this phone call. 

I do not appreciate being harassed at my place of work for a payment that had already been made. I also did not wish for my coworkers and restaurant owner to be aware of my crippling debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used XXXX XXXX credit to make a purchase for furniture and the credit is serviced by Comenity Capital Bank of XXXX Ohio. The minimum payment requirement was XXXX dollars per month. But I have been paying XXXX dollars per month and the bank has been charging me excess interest. My last payment in XX/XX/XXXX showed a balance of about XXXX dollars then they sent me a balance for XX/XX/XXXX payment of XXXX dollars. Although I have been making payments almost 3 times the minimum amount. I don't understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. 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 2019-06-29
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.

Thank you for your consideration in this matter.

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 2019-06-29
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: OAKTREE FUNDING CORPORATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX ; I was notified by XXXX XXXX who was employed by XXXX XXXX Now that I was pre-approved for a home loan. She sent my realtor XXXX XXXX ( XXXX XXXX ) a pre- approval letter. XXXX and I then spoke with XXXX XXXX with XXXX XXXX with pre-qualification letter in hand and began picking out my town home in XXXX, Utah. By this time, I had given XXXX XXXX {$1000.00} earnest money and a {$2500.00} construction deposit. Everything seemed to be moving along very smoothly. XXXX would advise me every two to four weeks that she had checked with XXXX on the progress of my loan and XXXX would communicate with me that XXXX stated that everything was fine. 

The only change that had been passed along to me was that XXXX took my loan to her new employer Oaktree Funding. During XXXX employment with Oaktree Funding the only things that were requested of me to produce was my investment statement so I can show where the down payment was coming from, updated paycheck stubs, bank statements and documentation that my student loan was in good standing. 

On XX/XX/XXXX ; 17 days before I was supposed to close on the property at XXXX XXXX XXXX XXXX in XXXX, Utah XXXX had called me to inform me that XXXX was no longer licensed to be a lender/broker in Utah and the processor XXXX at Oaktree Funding, was advising her I needed an additional {$6000.00} or so in order to close on XX/XX/XXXX. 

Needless to say, I dont have an additional {$6000.00} or so and I am not sure if I will even receive my {$3500.00} I had given to XXXX XXXX as a deposit/down payment. Furthermore ; my current landlord has already rented out my current residence. Now I am currently in a situation where I am scrambling for a place to live by the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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 2019-06-29
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has been reporting erroneously for years in multiple ways. 
Currently, after many letters, XXXX XXXX reports first major delinquency on XXXX as XXXX, XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all XXXX XXXX XXXX. 
The parent company is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early 80 's which was in good standing until the last year. An abuser in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXXXXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
I XXXX XXXX has uploaded information for a dispute. This is more information, exhibits, and my identification.

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 2021-11-10
Company: PNC Bank N.A.
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 status incorrect

Complaint:
PNC Bank has made put delinquent remarks on my credit report for the months of XXXX XXXX for an auto loan that was refinanced with XXXX XXXX in XX/XX/XXXX. Through information gathering, XXXX XXXX informed me they sent PNC a payoff at that time in XXXX, but PNC mistakenly applied my payoff check to a different client 's account and sent them an overage check of XXXX. PNC then sent me an intent to repossess my vehicle in XX/XX/XXXX even though they knew that had made this grave mistake. As a result of the delinquent marks, my credit score has gone down by 80 points. Now that the account has been closed, it has been restored somewhat but no where near what it should be over XXXX. 


Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: SC
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:
Equifax along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company. I just want them to do right by me as a consumer and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Portfolio recovery took my taxes in XX/XX/XXXX for a table set the store closed in XX/XX/XXXX they stil have a XXXX doller balance on my credit they took XXXX of my taxes its been 7 years there still try to threaten and tak money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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: Account status incorrect

Complaint:
THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion, XXXX, and XXXX  credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: GA
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:
I contacted Citi as I believe I inadvertently applied for a credit card while servicing my existing account and received an inquiry dated XX/XX/2022 from Citi. I contacted customer service and they communicated that they do not see anything regarding an application or an additional card.

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 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
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 noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation

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 2021-04-13
Company: EQUIFAX, INC.
State: FL
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:
Hello, These fraudulent accounts are reporting on credit report. Its been 1-2 months that that I sent in letters. The only results Ive gotten was it was verified. I want to know who verified it? By law in 30 days no results the accounts are suppose to be remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on X/XX/17 my husband and I both tried to freeze our credit reports after Equifax ' security breach. Despite repeated attempts and being force to enter our SSN 's, we got this message : System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Smith, Rouchon & Associates, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We moved. I notified all companies that I owed balances to that we were moving. A bill for {$57.00} was sent to collections and sent to all credit bureaus without my knowledge. As soon as I became aware that I had a balance ( which I was not made aware of before I moved ) I paid the balance in full. The payment was made XX/XX/XXXX. I have requested in excess of 25 times that the collection agency report to all credit bureaus that the account was paid in full. They have yet to do so. I have submitted documentation, including a copy from my bank of the check that cleared paying the balance in full, to all credit bureaus. I spoke to the collection agency again on XX/XX/XXXX asking for them to please report this account has been paid in full. For some reason they will not report this account having a XXXX balance. I need this handled asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Resurgent Capital Services L.P.
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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} Cach LLC XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BARCLAYS BANK DELAWARE
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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} Barclays Bank Delaware XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

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