BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-18
Company: Self Financial Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
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:
The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I spoke with " XXXX '', a representative for Statebridge Company, regarding the fraudulent placing of forced placed insurance on my property. I was informed by XXXX and a Team Leader, " XXXX '', that a check was sent on XX/XX/XXXX to reimburse me for the total amount I was wrongfully charged, beginning in XX/XX/XXXX thru XX/XX/XXXX. It has now been 15 days since Statebridge allegedly sent payment for reimbursement and to date, no payment/check has been received by me. In addition, Statebridge has not formally notified me in writing of this ongoing issue and how it plans to remedy their false assessments for forced placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told by the company manager that my payment history that is reflecting interest fees is their process. However, the loan that I apply for does not have interest fees until 18 months that was associated through the company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeated phone calls to my employer after he was asked not to call anymore. I have records of every phone call to the office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the second notice I have received from a collection agency called " Grant Mercantile Agency. '' They claim I owe {$710.00} to a creditor named as XXXX XXXX XXXX XXXX. I do not know who these people are because I never received a bill from them. I do not have the money to pay this, because I am on a fixed social security income and I do n't even make as much as the the amount I am being bill for. There is no phone number to reach these collectors only an address. I wrote this Grant Mercantile Agency when I first received their notice asking them who they were and why they were sending me a bill and explaining that I had never received any bill for this amount from this XXXX XXXX XXXX XXXX. I told them that I do not have this kind of money to pay for this bill as I have no extra money. No one replied to my letter. Instead I have received a second notice with the amount now at {$740.00}. I think this might be for ambulance service, but I am not sure. At that time I had told the paramedics I did not have any insurance and could not afford to pay for an ambulance. They ignored my request not to be taken to the hospital even though it was NOT an emergency. But I am not sure that this bill is for that at all. There is no clarification from these debt collectors as to what this is about. I think this may also be a scam. I am not even sure that this has anything to do with the ambulance company, because I do n't know if that XXXX XXXX XXXX XXXX is an ambulance service. I do n't really know who they are. When I was taken to the hospital last year, I told the hospital I had no money to pay anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received letter from Experian on XX/XX/XXXX confirming the FREEZE on my credit report and how to temporarily or permanently remove the security freeze. 

Subsequently I provided my credit union with a one time PIN for viewing report on XX/XX/XXXX I just received notice today XX/XX/XXXX from XXXX XXXX that another entity was able to review my report without my agreement / without a PIN. 

I called Experian and they were unable to locate the Freeze on my account using the PIN they had given me. They required my SSN and then told me there was no record of Freeze. 

What is going on!??? They took information to place another security freeze, but my confidence in them is LOW.

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 2018-01-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Following inquiries on my report are not mine and fraudulent ... Fraudulent Inquiries : - XXXX XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on X/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XXXX -  XXXX XXXX, XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I notice in my billing that the Variable interest rate did not drop with the most recent fed rate drop. I reached out the the service providor asking about the loan inerest rate. Twice I was told within 10 minutes of my submission that they just service loan and was not able to help with inetrest rates. I am not asking them to drop the rate but I do expect them to inquire to the lender who is issuing the loan to verify the information they are charging. They don't care if you are over charged because they are going to make their money ethier way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Citi bank XXXX XXXX  was suddenly canceled out of the blue on XX/XX/19. I had accrued a reward certificate worth {$630.00} which was scheduled to be disbursed on XX/XX/19. 
I had called on XX/XX/XXXX and spoke with a representative named XXXX who assured me that the certificate would be issued as planned and that there was nothing to worry about. 
I called again on XXXX and spoke with XXXX who said the same thing adding that there is a 7 day lag at times. 
Finally, I called today, XX/XX/XXXX and the people I spoke with said that I will not get the rewards since my account was canceled! 

I believe they canceled my account to not pay this reward certificate and I am very upset about this and want it fixed, even if they refuse to reinstate my account, withholding the rewards certificate is totally unacceptable.

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 2020-10-18
Company: EQUIFAX, INC.
State: PA
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:
A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXX. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX usc XXXXa was not disclosed to me. XXXX XXXX  is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to stress and unlawful use of my consumer 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 2018-08-28
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: Personal information incorrect

Complaint:
Equifax is listing an incorrect Social Security Number on my credit report in the Other ID section of the report. 

They list it as XXXX XXXX. It was reported on XX/XX/2016. 

I have never had this Social Security number and it should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I rented a room for {$770.00} on XX/XX/XXXX and the agreement I had with the landlord was that once I was offered housing in my university, I will be receiving my deposit back to me. However, that has not happened since I moved out on mid-XX/XX/XXXX. He constantly assured me that I would getting my money back starting the beginning of XX/XX/XXXX. Then he said he was having a financial issue and told me that the latest would be XX/XX/XXXX. I have attempted to contact him multiple times in order to resolve this issue. He has completely ignored all the messages and even pretended to not know who I was. Recently, I have filed claims with Chase and XXXX. Chase told me that they were reversing money back to him and I find that unjust. I do not feel as if there was any investigation done with this fraudulent claim. I was deceived by the landlord making this a fraud. Chase told me to contact XXXX and ask for their help. I have contacted XXXX and they will be getting back to me within the next 24 - 48 hours to see if they will be able to file a chargeback. I would appreciate any help from your department in this matter. 

Thank You, I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Their investigation did not fix an error on your report

Complaint:
Experian has failed to correct inaccurate late payments reporting on my credit report that I have been disputing for a year. Experian continues to update the accounts with no change to my report. These inaccurate accounts on my report have damaged my credit score and has resulted in my insurance rate to increase. I have disputed these accounts on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I requested Experian to update the late payments to paid as agreed or delete the accounts off my credit report so my true credit history is reported and they have not completed my demand. The accounts that are reporting inaccurately are XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have a copy of my XXXX report which is reporting correctly as no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I reached out to Wells Fargo concerning my mortgage payment and asked for help in filing a Loan Modification. During the process Wells Fargo has given us 4 to 5 different Loan Modification Specialist and each time they lose paperwork, we 're having to start the process over again and requesting us to scan and fax papers over again. I believe this is one of Wells Fargo tactics to say they 're trying to help but only assigning us to different Loan Modification Specialist and will continue until we so far behind we have no other option but to file bankruptcy. I do n't believe Wells Fargo is trying to help us save our home. We have enough money coming in to keep the mortgage paid on automatic draft once a month due to my spouse military XXXX of 70 % and the military is working to increase her military compensation. Due to the weather and recent hurricane damage we needed time to make repairs on our home and reached out to Wells Fargo for help with this matter. Wells Fargo has open many Checking and Saving accounts in my name without my approval but ca n't help me with a Home Modification. I would like someone from Wells Fargo to truly devote their time to helping us save our home. 

XXXX and XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2018-01-16
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
{$150.00} dollar payment was made on XX/XX/XXXX to Barclays Bank Delaware from XXXX XXXX Checking online bill payment ( to be 24 hours to process ). 

Today on XX/XX/XXXX at XXXX EST Barclays Bank still has no record of this payment, which is due by XX/XX/XXXX. 

Yet XXXX has record of this being paid. I gave this information to Barclays Bank XXXX with a bank transaction ID number, I also have a Trace Number from the proof of payment document that I printed from the XXXX Web Site, but Barclays Bank still ca n't find a pending of completed payment. The {$150.00} has been deducted from my XXXX account and I have the proof of payment document. 

I am also having a balance transfer to XXXX that is completed from XXXX and not showing even as pending with XXXX. This transfer must also show by XX/XX/XXXX. It was for {$10000.00} on XX/XX/XXXX. Currently I have this balance showing at both XXXX XXXX  and Barclays Bank, so I owe twice as much as I really do, right now ....

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 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX does not give you the option to dispute outdated negative information on credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2018, I applied for a military deferment by submitting orders for an overseas contingency with the XXXX XXXX to Navient and Navient processed the request. The orders were for a XXXX XXXX XXXX from XX/XX/2018 through XX/XX/2018. After I was XXXX, I was automatically billed {$110.00} on XX/XX/2018. I emailed Navient through their website inquiring as to why I was being billed during a deferment period. I received a response incorrectly countering that my service was not in connection with an overseas contingency eligible for deferment with Military No Interest Accrual. I then called the companys  military affairs number explaining that the orders clearly stated that the XXXX was in support of a contingency in a qualifying area. The representative was helpful and apologetic after reviewing the orders that they did in fact indicate that this was a contingency operation. My initial application had been erroneously processed as an SCRA application only, but not a deferment. The deferment was finally processed on XX/XX/2018. However, on XX/XX/2018, another automatic payment was charged for {$110.00}. I called Navient again to inquire why a second payment was processed after the deferment was resolved. I was simply given an apology and told that their automatic billing system wasnt quick enough to catch the deferment and refunds could not be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: FL
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:
hello my name is XXXX XXXX i feel discriminated. here i explain in age and nation origin also my XXXX condition. I 'm am a young man that never applied for credit card and soon i will be going to school it is not right that i been denied by a bank name chase. when i was in high school all my friends had chase and i feel chase i like to have credit card but i applied three times i been denied by the credit card application i really feel discriminated is not right that every one else get one and i do n't. the chase bank do n't let me have credit card is not right also is not fair that every one get credit card with chase and i do n't. I 'm a young man is not right a bank of chase i always wanted to have credit card with will not accept me i feel is not equal for me feel left behind. i just writing how i feel against the bank of chase really wrongful the bank denied my application. I 'm a young man trying to start with school trying to get a good credit with chase and now been three times is not right for me also how i feel. really feel discriminated starting a future really seriously not correct what how I 'm feeling. located XXXX XXXX XXXX XXXX, XXXX, FL XXXX Chase Bank ( XXXX ) XXXX or XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all 3 bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the FCRA Act they were given 30 days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as USPS certified mail tracking numbers ensuring they received these documents and still failed to update 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 non-monetary relief
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I attempted to retrieve my credit report from XXXX and was unable to do so. the company is not giving me my annual free report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: TN
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:
This complaint involves Equifax ; XXXX  and XXXX  credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.

Company response to consumer: Closed with explanation