BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, Has violated my rights. 
I received two letters from the same accounts, Accounts ending # XXXX I received two letters from the same accounts, Accounts ending # XXXX I been receiving, phone calls from the same accounts/ that's also a violation of my rights. number XXXX That has violated my rights, I will be uploading the Letters that has Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2019-07-14
Company: Navient Solutions, LLC.
State: PA
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:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed.  Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX XXXX, PA. XXXX is not listedon the drop down list. Navient is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: MA
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 accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX XXXX says that I owe them {$27000.00}. I paid less than the amount due, but they left the note on my credit report saying charged off instead of " settled in full ''. The coronavirus is hurting me financially, and they refuse to help me. I need access to additional credit to make it through the COVID-19 shutdown.

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 2019-10-25
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Between XXXX XXXX, Chrysler Capital and XXXX {$2500.00} was written up and added unknowingly to my loan and {$6500.00} down payment for 10 % changed after signing papers by XXXX XXXX finance manager and have fought for years and the money was to go back to Chrysler capital in XXXX and as of today never did. I received extensions in XXXX and recalled in two weeks by letter and had 5 days to pay {$810.00}. Got an extension in XXXX and I filed a complaint with the AG office and Chrysler which the insurance money never sent back by XXXX XXXX Chrysler stated and now they want to give me what's left. 
XXXX of XXXX XXXX from Chrysler Executive office called and told me to continue my monthly payments. This was after the extension. XXXX of XXXX I get a Cease and Assit and repossession letter. XXXX XXXX told me to handwrite a letter telling them they could call me since someone wrote I said do not call me. It was removed. I have made every payment from XXXX last year before talking with XXXX to XXXXSomeone tried to break in the car called police and called XXXX and told I would make payment on the XXXX on the XXXX they stole my car and sent me a bill for {$2300.00} and until the XXXX or will sell my car. I have talked with Miss XXXX, Miss XXXX who on the XXXX did not call me back also on Wednesday as promised and on Thursday XXXX XXXX told me to send in all payments from XXXX of XXXX until XXXX since it stated I missed XXXX, XXXX and XXXX and I sent the email to him and today I called he's away from his desk, XXXX said she or he would call me back. No one has called me and it's XXXX XXXX and Monday is the last day before they sale my car. They know I have proof that they took my car wrongfully because the system sent out a cease and assist letter as XXXX stated that it does sometimes if there is verbish on the line it can go out automatically.They are refusing to call me so they want have to correct what they have done and sale my car. This is the 2nd time their system has caused me problems. All I owe them is for XXXX {$400.00} since XXXX and I agreed in XXXX of XXXX to make my payments.I have done that 17 payments and they want call back they want to sale my car to keep from admitting the system did this. Please help, I need my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address

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 2016-12-16
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has a new website that requires you to enter your zip code and your full social security number in order to access your account. I have always made my payments online with no problem through their old website. 

I called to complain, and offered to verify by phone, but they said they can not change the software. That is the requirement. They will take payments by phone, for a {$19.00} fee. You can also set up auto pay, once you get the forms, or mail in your payments. Both choices delay my payment. 

I have no access to my account for information, including year end tax info, unless I am willing to share my social security number online for any and all hackers to see. 

I do not understand how Nationstar can get away with this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
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:
My husband and I had a second mortgage with Rushmore Loan Services. Due to some family illness and problems with the mortgage company that owned our first mortgage, we were behind on a few payments. Rushmore sent us several letters over the course of a few months offering us a lower pay-off amount but we were not able to pay those larger amounts to totally pay off the loan. We kept making our payments. On XX/XX/XXXX, we received a letter from Rushmore titled " Lien Release Notice/Mortgage Debt Cancelled ''. It stated that our debt was cancelled and that the owner of our loan had extinguished our debt and the entire balance of our loan was brought to zero as of XX/XX/XXXX. We later received the deed and never had any subsequent attempts to collect the debt. When we called Rushmore several times to inquire why the debt had been cancelled, customer service representatives continually told us " Congratulations! Your debt has been cancelled. '' No one ever mentioned the words foreclosure or " charge off ''. The words " foreclosure '' and " charge-off '' appear on all of our credit reports. This is causing us to have a difficult time purchasing a new home. We would simply like the remarks to be changed to what WE WERE TOLD - " debt cancelled. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CITIBANK, N.A.
State: VA
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:
I attempted to first close my Citi Bank credit card online and was not able to do so. I kept getting the message to contact us. This is usually an attempt to high pressure you into keeping the card. I am no longer interested and keeping the card I wanted it to state closed as XXXX by customer on my credit report. My first call to an female rep. is where she hung up on me pretending to have a bad connection or something. I hung up and called again. This time I got an male, I explained I would like to close my account. He than went into a song and dance, he needed this and that. Asking the name of my pet! I do not have a pet all this I guess, for security reasons. I have never been through anything of this nature trying to close an account in good standing. In my heart of hearts, I believe it was a build up to pressure me to keep the card. I would like help in closing the credit card and I really do not care to deal with these people again. i will pay the balance off as fast as possible. Thank you for you help.

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 2017-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Reason XXXX XXXX CA XXXX Suppose to be taken off on XX/XX/XXXX ADDRESS ID NUMBER XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reason Suppose to be taken off onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Suppose to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Suppose to be taken off

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 2017-12-10
Company: GREAT LAKES
State: MS
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:
Great Lakes was the company that purchased my loans from XXXX XXXX. The first thing that they did was to increase my interest rate. I questioned this and was told that they could increase it to whatever they wished. 
I began attending at XXXX XXXX University after obtaining my XXXX from XXXX University. I only took one class however when the 6 month grace period ended and it was time to begin repayment, Great Lakes reported that I owed {$130000.00}. This is wildly inaccurate. My wife and I have consolidated loans through XXXX XXXX XXXX in the amount of {$64000.00}. We pay on time and have never missed. A portion of my Masters through XXXX University and the one class from XXXX XXXX University were what Great Lakes purchased. 
When I received an outrageous invoice in XXXX of XXXX, I called Great Lakes and questioned. This is when I was transfered from attendant to attendant and eventually told that I could consolidate {$130000.00} into one monthly payment of {$1200.00} or so. First I needed to give them my credit card number to pay a one time servicing fee of {$490.00}. I tried to correct them in that I did not owe {$130000.00} but they would not listen. I have tried to get my records from XXXX with all of the financial information, but they will not provide them to me. I have tried to register on the FAFSA sight since they changed it, but it requires my XXXX email address that is no longer active. I have also contacted XXXX XXXX to obtain the records of the class that I took along with the financial info, but I can not get anyone to return my calls. I received a letter last month that said that my student loans are in default and now belong to the government. I am literally at my wits end on what to do or how to proceed. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two complaints filed against Ally. The amount they are stating I owe is incorrect. In their reply XXXX. The payment history does not show the car as being total loss as XX/XX/XXXX or XX/XX/XXXX. The dates the car was damaged and entered as a total loss and the GAP insurance payment made towards the {$12000.00} balance. The amount paid was {$4000.00}. There was over 6 months before {$1000.00}. of this gap total loss payment was applied. At the time ( XX/XX/XXXX ) the account was charged off the amount due was {$10000.00}. Yet, if the {$4000.00} ( GAP TOTAL LOSS PAYMENT ) would have been applied at the time the payment was made the balance due would have been less than XXXX. 
CFPB *** At the time Ally 's reply I did not have knowledge of amount, or the payment made on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i purchased 3 phone lines for my son and 2 granchildrenfor {$140.00} amonth.start auto pay XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, then i cancelled because not applicable to the children and my son 's phone can not get the right internet connection because his phone is hwawei . also al three phones are ours.come XXXX, they bill me again, i call XXXX XXXX, i said why do you still charge me when i was already cancelled. she said sorry for that, maybe it is just late .so what she did was gave back the XXXX $ to my bank account. and said try to tell your bank to cancell payments .which i did.XXXX comes, i call again why is XXXX XXXX asking for payment again? she answered, sometimes it take time to upload the collection. just disregard .you are ok in my end. nothing to worry. XXXX, i got letter from XXXX XXXX saying final notice and will be sent to debt collector, past due balance of XXXX $ XXXX XXXX received letter from credit company .i call them and connected me to XXXX XXXX and said she can not check what is my balance about she need passcode .go get new pin from the store where you get internet. went to store said go call them. we can not open. XXXX XXXX talk to ariel ask me to go to store again and ask for new pin to peek on account and to talk to him when i am there .XXXX XXXX store people don't like to talk to him at first. said they were able to open but don't see anything wrong with the account. they keep me going back and forth to call XXXX XXXX and go to store. and nothing was done properly. until now credit company is bothering me with the said balance not paid but they can not explain what it is specifically. please help me resolve this matter. we have also sent letters asking for explanation but did not answer at all.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: SC
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 read the company 's response and it did not dissolve my issue. The company stated the " asked '' the company if the alleged debt was in fact mind but I have not, in the past 4 months since starting the dispute process, received any validation of this alleged debt. I ask that Experian give me the name of the person that claimed the records were validated. Also the phone number of the person spoke to who " verified and validated '' this account. According to 15 USC 1692 ( g ) Validation of debt I have not receive anything validating this alleged debt. I have

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 2019-10-25
Company: Bread Financial Holdings, Inc.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019, I went into a XXXX by Victorias Secret, and went to purchase undergarments. My purchase cost {$35.00}. When I went to the register, the young woman told me if I signed up for a XXXX Credit Card, I would receive {$25.00} off my purchase and only have to pay the remaining {$10.00}. I asked if there were any fees or any tricks and she said no. So I signed up, my total came to {$10.00}. I handed the woman a {$10.00} bill, took my purchase and left. I didnt authorize any charges, or anything of the sort. I simply signed up for a card and paid in cash. A few weeks later, I still hadnt receive the card, so I called to cancel it. They told me I had a {$10.00} past due balance on my card and if it wasnt paid by XX/XX/XXXX, it would be reported to the credit bureaus. I went to the store, spoke to customer service and filed a dispute. I had already paid the {$10.00} in the store for the merchandise with cash. And even if I hadnt, they never got my permission to authorize the card for any amount. I never said anything, they never verbalized it or showed me anywhere. So not only did they charge me twice, but they never got my permission to do so. Its a scam. I called the credit company again today, and my balance is now {$22.00}. They are not allowed to charge peoples credit cards twice, and without authorization. They would not remedy the situation, so I paid the balance so it wouldnt affect my credit. I will never use this company again because they can not be trusted and getting people to sign up is just a scam.

Company response to consumer: Closed with monetary relief