BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: Navient Solutions, LLC.
State: MO
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:
Navient is still making harassing phone calling to my messaging phone number leaving messages and using this tactic to make sure there phone number do not show up. 
Navient is still emailing me about my loan payment, and when I look at my credit report it shows a negative amount and it is causing problems with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Citi credit card on XX/XX/XXXX and I was rejected. When the denial letter came in the mail, the reason presented was, " The credit privileges on your existing account ( s ) are currently restricted. '' I tried to ascertain why my privileges were restricted, considering I was a long-time Citi customer from XXXX to XXXX. I contacted the Citi Reconsideration team and the Citi Executive Response team ( both by mail and over the phone ), and they would not provide any additional information why my privileges were restricted. Furthermore, they added that the application was rejected due to Citi 's internal guidelines and not due to the information on my credit report because I have excellent credit. At every turn, Citi has not been transparent with why the bank rejected me for a Citi card, especially since I was a long-term Citi customer with an excellent relationship and history. This lack of transparency and malicious behavior is unfair and could potentially constitute a violation of the Equal Credit Opportunity Act, and would therefore be illegal. 

Citi Reference number XXXX Application ID XXXX Citi Premier Card Applied on XX/XX/XXXX 2020

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 2022-11-16
Company: Experian Information Solutions Inc.
State: PA
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2021-08-09
Company: Kentucky Higher Education Assistance Authority
State: NJ
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 have this account that does not belong to me and i want it to be removed from my credit report. 


1. Identity Theft KHEAA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called multiple times over the years for a debt occurred during previous marriage in 2004 from AMERICAN General Finance for an amount of {$2300.00}. This was all settled when exwife sold the home and moved out to her new home bought by parents. It has never been in my credit report and with interest they are placing it my report and threaten to garnish wages, etc for next 10 years. The company calling is XXXX XXXX XXXX out of CA. This debt is not owed and I am not paying something to a company in a state of crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

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 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company : Bank of America Date : XX/XX/2020 Person ( s ) Involved : XXXX ( NMLS # XXXX & XXXX XXXX ) Issue : Pretextual Discriminatory Mortgage Policies in XXXX & Low Income Areas : Bank of America has internal policies and procedures that essentially excludes millions of potential homeowners through discriminatory policies : The policy indicates that properties in certain areas, a XXXX credit score is required. 

I inquired about a relatively inexpensive property of XXXX of which XXXX said 25-30 % would be required. I have the 30 % available in my checking account now and a XXXX score according to XXXX XXXX, yet XXXX indicated I have a of XXXX score. That said, XXXX immediately refused to provide alternatives or options and consistently demonstrated his unprofessional behavior for a BOA customer of 17 years. 

The Bank of America policy of XXXX or above credit scores seems quite discriminatory in that the particular area has the following factors : XXXX very low income, 2.a distressed area, 3. predominately XXXX and 4. public search indicates that a low percentage of people in that area have a XXXX or above credit score and state would qualify to purchase an investment or regular residential property. I cite discrimination based on the above factors. It essentially excludes the potential for home ownership. 

This policy excludes the potential for new XXXX and XXXX homeowners and landlords interested in rental properties. 

I have checked XXXX  and XXXX  and I have a score of XXXX in both cases. Even still, the analyst I spoke knows that I have 100 % on time payments and a 30 % down payment available. Will a XXXX person always be prevented from being landlord or investment owner based on pretextual policies put forth by BOA? 

How can the complaint be satisfactorily addressed? 
Implementation of Non-Discriminatory Mortgage and Finance Packages and options. Providing alternatives.

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 2020-09-11
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I disputed 4 inquiries on my credit file with Equifax that seems to be fraud and I never received an update or any status on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent a communication to the XXXX XXXX XXXX XXXX company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-03-02
Company: CCS Financial Services, Inc.
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:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account Number:XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several calls and a letter stating that I owe money to a collections agency. I have all three of my credit reports and there is nothing in collections. The number that called me was XXXX. I refused to give them any of my information over the phone. They say I owe some XXXX dollars but they don't give any source of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit 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 explanation
Consumer complaint received 2023-05-02
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:
On XX/XX/2023, I sent letters to the credit bureaus requesting that accounts on my credit file be investigated. USPS Tracking numbers for the letters are as followed : ( XXXX, XXXX, XXXX ). After waiting and finally receiving the results of the investigation I noticed that on an updated credit report these accounts were still showing inaccurate information. The credit bureaus stated they did complete investigations, but how is this possible when information on the same account is different amongst the three bureaus? 

XXXX XXXX # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Balance Owed, Closed Date, Account Rating, Last Payment, and Past Due Amount are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX # XXXX The credit bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instruction.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate of can not be verified, the consumer reporting agency shall promptly delete the information from the file of the consumer. 

Attached will be the certified mail receipts, proof of purchase, the letter, XXXX Credit Report, investigation results, XXXX 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 2018-10-22
Company: Rolfe & Lobello, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A collection agency has garnished my pay. I did not receive any notice of this lawsuit. This is for a very old credit card that I paid & closed 12 or more years ago. It was a credit card with a {$300.00} credit limit from XXXX XXXX, which is no longer in business. The claim I had a debt of over {$2600.00}. I paid the small balance and closed the accouint many years ago. This is not a valid debt plus I was not notified. They have already taken over {$800.00} from me. I do not know what to do at this point. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please review attachments of new discovery. It is obviously that XXXX XXXX XXXX and Select Portfolio Servicing is working together. The first lie is that they are the originators of my mortgage loan Which is false, the original FHA mortgage loan was with XXXX XXXX XXXX XXXX on XXXX XXXX therefore they lied on the XXXX credit bureau report and XXXX and XXXX report, misrepresenting and falsifying balance, amount owe and fraud Loan modification, I have no knowledge about. How can Select Portfolio Servicing Flagg a loan modification on XXXX XXXX with XXXX? This is crazy, Im not sure if they changed or added a new account number because I had no knowledge of the above. Please, please investigate on what going on. Follow the money, I can guarantee those missing checks and funds was used for investments accounts funds for profit. I wanted to know who is holding the mortgage note? I really think you all need to check for yourself because they lied and said it was with some insurance and when I call they had no knowledge of what SPS stated on one of the  documents they sent to CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a qualified written request under Section 6 of RESPA to obtain any and all information regarding the true owner of the XXXX loan number : XXXX since XX/XX/XXXX, and all payments made during XX/XX/XXXX and XX/XX/XXXX for the upcoming hearing before the Ninth Circuit Appeals Court number : XXXX, as well as confirmation that the following payments were applied to my loan : Non applied funds in the amount of : {$920.00} on XX/XX/XXXX, and {$1900.00} on XX/XX/XXXXand at least 17 payments for : {$1100.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00}, on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$480.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, {$440.00} on XX/XX/XXXX, {$470.00} on XX/XX/XXXX, and {$350.00} on XX/XX/XXXX during XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company- XXXX/Equifax/XXXX- XXXX  XXXX XXXX XXXX. Account.XXXX   . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank closed my account without a valid reason, and now they won't let me have the remaining {$2300.00} cashback balance on the account. 
I have not broken any of the rules of the card and my credit is really good, they seem to be only closing my account because the bank isn't doing well financially and this was an easy way for them to lower their exposure, even though I've been an excellent customer for a long time, always paying my bill on time and never missing a payment or doing anything wrong. I didn't lose my job or anything, I'm still working full time, so I'm not sure why they would even consider closing my account, and everytime I reach out to customer service they are unable to provide a valid reason.

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 2023-04-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Having checking account with Chase Manhattan bank regularly paying my Chase Manhattan bank credit card balance from my Chase account. In XXXX similarly arrange on Chase website payment from my Chase checking to my Chase credit card - {$490.00} for XX/XX/2023 having sufficient funds on the checking account funded with my Social Security benefits. Then Chase Manhattan Bank denied the transaction, sending me a letter-attached that recommends to contact my financial institution in order to clear the transaction and providing for my convenience the XXXX number of the institutiion - their own number. My attempt to resolve the issue connecting Chase via phone, and secure messaging did not come to results with cliche responses - " cope and paste '' contact your fiancial insititution to allow the transaction. I believe it is fraud focused on extortion late fee and interest payments to the bank. My majot concern is that if Chase Manhattan bank commting sch frauds what is a status of our banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Commercial Acceptance Company
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and saw posted two collection items from COMMERCIAL ACCEPTANCE CO. posted XX/XX/XXXX. I proceeded to dispute the charges via the credit agencies email dispute pages. I had sent letters to the aforementioned collection agency on or about XX/XX/XXXX and again on or about XX/XX/XXXX. I never received a response to the second letter disputing the debt. More than 18 months later this collection agency posted the debt to my account though to date they have not responded to my second request to verify the debt. The items were removed from my credit report by the end of XXXX. XXXX XXXX I received another collection notice from CAC with another stated amount. I again contacted them XX/XX/XXXX requesting verification of this debt that I do not recognize. On XX/XX/XXXX I received another collection notice with an additional collection item but still nothing showing how I owe this debt. I believe this to be a result of identity theft. I had mine and my children 's credit frozen due to identity theft that was reported to the XXXX, IN police department in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
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:
im a XXXX year old man with XXXX and find the process of submitting my id theft report to both XXXX and EQ extremely confusing and stressful.

Company response to consumer: Closed with non-monetary relief