BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I contacted Navient about qualifications for the Public Service Loan Forgiveness ( PSLF ) program with questions on the type of repayment and qualifications for the program. At the time I had consolidated my loans into a Federal Family Education Loan ( FFEL ). Navient did not inform me of the requirement to have the loan be a Direct loan or other requirements such as being in an income-driven repayment plan. 

I continued to make payments to Navient and worked in the public sector until XX/XX/XXXX. I filled out an application for the PSLF program in XX/XX/XXXX and the application was denied as I did not make payments through an income-driven repayment plan or consolidate my already consolidated FFEL loan into a Direct Loan. 

All of the actions that I took were based upon advice of a variety of Navient representatives over the course of 10 years. 

I have been working in the public sector for 20 years but do not qualify for the PSLF due to the reliance on advice from representatives from Navient regarding eligibility for the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I contacted a XXXX  post for 4 XXXX Game Basketball tickets. The contact had a phone and name associated to his XXXX  post, so I texted him at the given number. After texting back and forth and getting on a call with XXXX ( his name ), He asked me to send the money, {$2000.00}, through my XXXX  XXXX XXXX XXXX account. I sent this money while we were still on the phone, and he was going to e-mail me the tickets. When he received the money he said that he was losing service and would call me back. When he did not call back within a few minutes, I tried dialing him back, and the number had been disconnected. I never heard from him again and never received my tickets. Based on the account information he gave me, the XXXX transfer sent the funds to his CitiBank account. I called XXXX XXXX XXXX ( my bank account ) right away to cancel the pending funds, but they only advised that I open a claim. The claim came back as unable to retrieve funds, so I am opening this ticket.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ameris Bank states they have paid my property taxes that were due in XX/XX/2020. They have not. The county taxing authority has confirmed this to be the case. I made this information available to Ameris Bank. Ameris Bank has provided no proof that they have paid the property taxes. I have since paid off my mortgage and they are holding {$4000.00} that needs to be refunded to me. I have written multiple requests and made multiple telephone calls to request they resolve this. They have multiple times written me letters stating my requests have been resolved. They have not once addressed my concern regarding the payment of property taxes or provided me with any proof that they have paid this. 
This issue started XX/XX/2020. I paid off this mortgage on XX/XX/2020. I have made multiple complaints in writing and verbally. None of these complaints has been appropriately answered despite the fact that I have asked them to provide written documentation relied upon for them to reach the conclusions that the issues I raised are resolved. I have spoken with several customer service representatives and multiple supervisors who tell me they will have to research the concern each time and then mail me a generic letter stating it is resolved without even addressing the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MCA Management Company XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX fax has been ignoring my emails for over a year while I was trying to reach out and figure out how to pay them ( I was XXXX to XXXX for the XXXX all of 2020 ). All of a sudden I recieve an email from them stating what they are owed still. I think this practice is very shady. I can provide the emails I sent them regarding me trying to make payments. This company also opened credit accounts in my name which has affected my credit score after I contacted them trying to pay. They ignored me and elected to mess up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following collection agencies are reporting a collection accounts on my credit report with XXXX, XXXX, and XXXX. I am a resident of the state of Colorado. I sent a request to all three credit bureaus in XX/XX/2020 and to the following companies at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agencies. Subsequently, I discovered that neither of the mentions companies are licensed collection agencies in the State of Colorado. 

They are as follows : Midland Management XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX The Bureaus XXXX XXXX XXXX # XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to get several items corrected on my Experian credit report. Experian continually reports it as verified as accurate even though they can not disclose how they investigated the items. Experian is now refusing to allow me to dispute these items even though they are factually incorrect and tell me " You have previously disputed this item. We are not required to process a duplicative dispute. '' If the item is still incorrect I will still try to get it fixed regardless of its a duplicate dispute, you should not be forced to have items on your report that are factually incorrect. I have submitted a 4th round of disputes on XX/XX/2020 on their webiste for XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX and 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 2020-01-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX XXXX on XXXX XXXX XXXX about my credit card not being reported to XXXX and Experian. They open a investigation. I got a letter XX/XX/XXXX saying my information being reported was inaccurate and that it was be fixed in 10 business days. I called XXXX 's in XX/XX/XXXX and they say they were reporting to all 3 bureaus and to call the credit bureaus. I called the bureaus and they said they have no information being reported and XXXX needs to call them. I called XXXX XX/XX/XXXX and talked to a gentleman that called the 2 bureaus XXXX and Experian. They told him they were receiving the information but they took the account off in XXXX because of fraud and they refuse to put the account back on my report. This isn't fair to me. I can't buy a house since they won't report. I show no history of reporting accounts.

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX XXXX account amount {$2100.00} is not mind.

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 2023-01-03
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:
Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2019-03-15
Company: TD BANK US HOLDING COMPANY
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Colony Brands, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i spoke with this company the debt is actually my mothers she has the same exact name as me. she also filed bankruptcy within the past year. this company refuses to remove this debt from my credit report but this is my mothers debt. this is damaging my credit report furthermore i need paid for the damages or i could look at legal counsel the damages caused are as follows 1. Defamation 2. Negligent Enablement of Identity Fraud 3.  Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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 disputed with the CFPB and the company stated they were unable to validate the account. The Fair Credit Reporting Act states that information that is found to be inaccurate or can not be verified must be deleted 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 2020-07-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Account Info Loan Account Ending XXXX Hover over labels for more details Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 
XXXX Account status Open Date opened XX/XX/XXXX Account type Unsecured Loan Paid Off : 84 % Balance on XX/XX/XXXX Loan Amount {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use my card at multiple locations. It did not work at the last 2 : at XXXX XXXX  and another location. My card has rewards if I use it at an XXXX location or a participating restaurant so I am missing out on my rewards and have to use other cards. Amex has not solved my problem or even tried. I want them to credit me for the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/XXXX, I completed a loan consolidation for my all of my student loans with XXXX and Fed Loan. I completed this consolidation application because Fed Loan was refusing to give me Forbearance on my loans and they were getting further and further delinquency days added. 
I called Fed Loan again on XX/XX/XXXX to check the status of the consolidation loan and I was told it would take up to 7-10 more business days before they could give me an administrative forbearance to stop the delinquency on my account. 
I called back today, XX/XX/XXXX, to check the status of the administrative forbearance and again was told in my take another 10 business days. 
I explained to the representative that my delinquency days were now at 77 and 10 more days will get me very close to 90 days and I do not want a negative mark placed on my credit file. The representative stated there was nothing she could do and I would just have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX  account since XX/XX/XXXX. Debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: MO
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:
Some time back I called Chase about not being able to use the chase.com website or app on my phone. There had been a series of glitches that left me unable to access my account online. I had two Chase cards. By the time I called them I was so frustrated that I stated that I would like to cancel both cards. Obviously, they wanted me to talk with an advisor before canceling the cards. I was transferred to an advisor and eventually was able to access my account online. The advisor then asked if I wanted to keep the cards open or cancel to which I responded that I would keep them. A few weeks ago I learned that Chase had cancelled one of the cards -- -incidentally a card that they are no longer offering and has unique benefits for travel. Chase had not cancelled the other card. I called and was directed to a supervisor who offered to reinstate my card, but, by pulling a credit check, however she said that she understood my not wanting to do that and would be willing to escalate my case and have the audio file of the phone call reviewed in order for them to respond to my concern. I agreed to that. I was told that Chase would get back with me with their findings. Today, nearly four weeks later, and, having received no word from Chase I called again to receive the status of my case. I was told that a letter had been sent which stated that my situation had been escalated as far as it could go. I responded that I had not received a letter and asked what the audio file had revealed, knowing that it would make clear that I had not asked for my account to be closed. The response from the supervisor was that they were unable to tell from the audio file. She went on to say that since 60 days had passed, they were unable to reinstate my account. I have a perfect credit history with Chase and have no explanation as to why the company has handled my situation in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pro XXXX a debt I owed for an unpaid rental apartment from 2017 has said they have been trying to contact me, send me letters and I have not received anything. I called to try to settle the debt for half because Im currently in the worse situation ever and need to move immediately. I have XXXX children and need to move forward and they are not making it easy for me at all. I was not able to pay the debt because I lost my job taking care of my mother and now XXXX isnt making it any better. Today I contacted the company and the refused to settle with me or to even let me make payments.

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 2021-01-28
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX ReliaCard debit card, seemingly sent by U.S. Bank, was fraudently opened in my husband 's name. Actual card sent to to him to activate. He did not request card. We went to bank to try and find out what happened and they told us not their problem. Someone was able to issue U.S. Bank visa debit cards with U.S. bank strangely having anything to do with it. A representative of U.S.Bank took card and destroyed card. I had the face number of the credit card that he did not ask for so I tried to report card as fraud but could not complete the form because we no longer had the card with the 3 digit code on back.We were not able to fully de- activate the card. 

XX/XX/XXXX He received a state unemployment 1099-G form saying he had received unemployment money in XXXX. He did not apply for unemployment and has been retired for 5 years, and received no unemployment money. He contacted the state regarding this to tell them. He is still waiting to hear back.

In essence someone stole his Social Security number opened up a U.S. Bank Relia Card and claimed unemployment on his social security number. What can he do other than freeze his credit and report to you. Please let me know.

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