BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: NIC, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had paid over the phone with them in XXXX, given my banking info. I noticed there were multiple debts on my record from being XXXX. After paying my debts in late XXXX and XXXX this account I noticed had never been labeled as settled I had called them inquiring about why there wasn't a settled claim like on my other debts and why they chose to just remove it. Nemo 's collections assured me the debt was handled properly and as I see it they has repeatedly been adjusting the amount I owe and deleting the evidence I would've had by not filing the debt as settled, I have tried to talk about my debt and the evidence I paid should've been in my XXXX  XXXX   report along with my other debts with a settled claim. I assume there are records I can't access that would show them removing and adding to my debt repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have 80 calls from them in less then a week. Sometimes they call 3 or 4 times in a row if you dont answer. Especially during work hours. This is a clear intention to harass me to get their money. I had to block their number because it is a huge interruption at work, they constantly harass me, my phone is always ringing. It has to end. Calling 1 hour apart does not mean i got the money that much faster.

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 2019-05-05
Company: GREAT LAKES
State: TX
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:
On XX/XX/XXXX I called Great Lakes and I asked them for a " Master Promissory Note '' ( with my signature ) Pertaining to all Loans that they had in there office. I was sent the document named ( XXXX XXXX ), and it is attached to this complaint. I have also included a screenshot of the email it was attached to. 

There are three Promissory Notes attached to this document. On page one, the " Master Promissory Note '' does NOT bare MY signature! Also, the document was also typed and could have been replicated at anytime.

The Second " Master Promissory Note '' on page 10, also does NOT bare MY signature! The document was also typed and could have been replicated at anytime.

The Third Promissory Note on page 13, is the SAME " Master Promissory Note '' that XXXX  attached to a complaint response, that I made to the Consumer Financial Protection Bureau. 

Response date was on XX/XX/2019 with attachment. 

How is it, that The SAME " Master Promissory Note '' is used for an entirely different loan? Please explain I recently found out that Great Lakes, XXXX and XXXX are all in the same. 

I fear that these documents that Great Lakes, XXXX and XXXX are submitting to the Credit Bureau 's and the Consumer Financial Protection Bureau as proof of loans, are being fabricated! Any document sent from any of these companies should be questioned in GREAT details and should not be trusted at first sight. 

I have expressed my concerns to Great Lakes, XXXX and XXXX and ALL they keep saying is PAY, PAY, PAY!! AND how wrong I am

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: SC
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2017-07-14
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: Personal information incorrect

Complaint:
This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-02-04
Company: WELLS FARGO & COMPANY
State: AL
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, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on XXXX different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want Wells Fargo Bank XXXX to be notified too because they are the Mortgagee company

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 2022-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
account was closed in XX/XX/XXXX there was an automatic payment attempt so there was a {$35.00} fee. the next month additional fees were applied until they sent me a bill for {$130.00} dated XX/XX/XXXXXXXX. First time i even was informed there were monies owed! I called Citizens bank XXXX unit and they told me these were just fees and they should be removed. But i would have to go speak to the branch manager. I went to see the branch manager and she basically told me I'm a deadbeat and i would have to pay this.My questions are this why did citizens wait 3 months to inform me i owed this? Why would citizens bank keep chaging interest and late fees on a closed account? And why wait until these fees are {$130.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Dear sir or Madam : I am writing because I need your assistance seeking a resolution for unauthorized purchases on my American Express Serve Prepaid Card. I loaded {$500.00} XX/XX/XXXX and {$250.00} XX/XX/XXXX to take advantage of the up and coming online discounted merchandise after the Holiday season. I received a Fraud Alert directly to my cell phone XX/XX/XXXX inquiring did I recognize the attempted purchase at XXXX XXXX in the amount of {$170.00} I immediately responded indicating NO in fact, I sent 6 separate messages stating the attempted charge was NOT authorized. That same day XX/XX/XXXX I followed up the text messages with a call to American Express customer service. I explained apparently my card was lost because I did not have it in my possession and I did not attempt to make a recent purchase. The American Express agent advised there was numerous pending transactions on the account but may take a few days to complete. I immediately requested the American Express card to be cancelled. I was informed the card was reported lost, cancelled, a new one would be issued and I would receive a dispute form via email. I just needed to fill out the form accordingly and return within 10 business days. I received the Declaration of Fraud Form via email XX/XX/XXXX. 
I promptly returned the form XX/XX/XXXX answered all pertinent questions, and indicated the following purchases were unauthorized. XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$69.00}, XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$23.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX amount {$34.00}, XX/XX/XXXX XXXX # XXXX XXXX ON amount {$110.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX amount {$63.00}, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX amount {$120.00}. I am requesting unauthorized purchases of {$390.00} including but not limited to Fee for Foreign Transactions in the amount of {$10.00} and any other charges associated with these unauthorized purchases be refunded immediately. The XXXX charge in the amount of {$34.00} on XX/XX/XXXX was a recurring purchase also charged XX/XX/XXXX. I was able to resolve this discrepancy directly with the merchant. I am shocked and appalled American Express would have the audacity to send an electronic letter XX/XX/XXXX indicating and I quote Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized Our financial institution ( s ) have hit absolutely rock bottom Logically am I to think there was a thorough investigation conducted all within 8 hours? Moreover, I reside in XXXX, Iowa USA these unauthorized purchases was in XXXX, YES, XXXX!!! Please assist in resolving this concern. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Like millions of other Americans, my credit information continues to be exposed by multiple security breaches. Experian.com refused to freeze my credit online, despite having updated, accurate information on my credit and addresses. Both XXXX   and XXXX enacted credit freezes for me online without a problem. 

Experian demands that I mail my confidential credit information and a copy of my ID to them to freeze my credit. Sending them these hard copy documents is a security risk. It provides all the information needed to steal my identity. Using a firewall-protected, encrypted website with a XXXX is an easier and safer way to submit confidential information. 

How can I get Experian to freeze my credit online as requested?

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 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.

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 2019-11-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I found that my Victoria 's Secret card was frozen in the beginning of XX/XX/XXXX, so I called Comenity bank number on the back of the card to see what the problem was, since I could not view my balance or points on their website. When I spoke with them they asked if I filed for bankruptcy or if I am consolidating my debt and the answer to that is no not with Victoria 's Secret. A few days ago XX/XX/XXXX I tried to use my card at XXXX XXXX XXXX XXXX  it was declined. Then today XX/XX/XXXX I tried to make a payment for it is due today, I was not able to log in to the website. So I called customer service ( XXXX [ she could not help me ] ) then she transferred me to a female specialist ( foreign, could not understand when she stated her name nor could she help me ) for comenity bank. I tried to make a payment, fix my card, I even tried to close my account, they couldn't help me with any of my requests. So I called my identity theft law firm and they sent me to you. I don't know why they did this to me I always make my payments on time, use my card faithfully there is no reason for the treatment that I am receiving from Victoria Secrets Comenity bank. 

Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: TX
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:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our 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 non-monetary relief
Consumer complaint received 2018-01-04
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: Account status incorrect

Complaint:
On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

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 2017-09-15
Company: EQUIFAX, INC.
State: MT
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:
I was a victim of the Equifax Credit hack. This could have long term and significant impacts on my ability to grow my business and access credit. Furthermore, I am upset about Equifax 's handling of the issue. They have lied and obfuscated at every opportunity and rather than trying to decrease the impact on american consumers they are trying to preserve their image. I would like to see Equifax forcibly dissolved and criminal malfeasance charges filed against the CTO, CEO and CFO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: TX
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:
Collection agencies ( XXXX XXXX and XXXX ) have added a collection to all three credit bureaus and I do not owe the original creditor who is XXXX XXXX. My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof. I requested proof from both collection agencies and this is what I received from both of them. Equifax, XXXX and XXXX only reduce the debt owed to a XXXX balance but leave the collection on my credit. I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Beginning in XX/XX/XXXX I submitted my IDR form to switch from the REPAYE plan to IBR I have received multiple emails about rejection from the plan due to missing information. After calling one customer service representative and several hours later they find the missing information that they had " lost '', then they " record '' our new conversation for the people who review the forms. A week goes by and I get another rejection notice. Same problem as before, missing information, the same missing information, several hours later they find it and write a " note ''. The process repeats for several weeks. Nobody seems to be able to find old notes. I started finally asking for managers. Now the managers began reassuring me of completion of the form by certain dates. However, they are " sorry '' but it is too late within the current month ( i.e. XX/XX/XXXX ) and that the bill had already been " printed '' and therefore I would still have to pay the full amount on the old repayment plan, but in XX/XX/XXXX everything would be taken care of. Not so, I got another notice of rejection, same old story. Again the bill had been " printed '' for XX/XX/XXXX, and I would have to pay the amount in full but the issue would be fixed by XX/XX/XXXX. I finally got one of the managers numbers so that I could hold someone accountable, but they do not return my calls, and when I inevitably speak to another manager, there is no record of my prior conversations. I feel unable to do anything because they always lose my information. It is starting to feel like it is on purpose just so they can keep charging me the current amount. I need help because I can not resolve this issue because it is just an endless cycle of incompetence.

Company response to consumer: Closed with non-monetary relief