BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-30
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I C Systems placed a {$450.00} debt that was from XXXX XX/XX/2010 - XX/XX/2010 on my credit report. I had no knowledge of this bill until I received an alert from XXXX credit monitoring service that I even owed this balance. 

I called I C Systems today and was then told about the debt. They claimed to have sent notice of collections to a previous post office box that I had in Arizona. However, ALL of the information on my credit report is correct. Therefore, if they wanted to contact me about this, my current address is listed on all XXXX bureaus. They could 've also called me, because my current phone number is on all three reports as well. 

Instead of conducting business the correct way, they went ahead and placed this on my report without properly contacting me and giving me a chance to dispute this. This is unacceptable. My score has dropped XXXX points because of this. 

Furthermore, the statute of limitations is up for this debt. And they are still trying to collect anyway KNOWING that the statute of limitations is 7 years for this type of debt. Just pitiful. 

I have sent I C Systems an email letting them know that I am reporting them to the CFPB. Had I not seen this on my credit report, it would 've SAT there. I 've worked entirely TOOOOOOO hard to restore my credit and will continue to work to keep it secure. 

I have a severe disgust for companies that do things like this and I would like immediate action taken to not only have this DELETED from my credit reports, but this company needs to be fined. Cause if they 're doing this to me, they 're doing it to other people.

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 2020-03-28
Company: HUNTINGTON NATIONAL BANK, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient failed to provide me the private loan holders of my loans. 

Navient failed to explain how my loans are being paid out to each loan holder. 

Navient failed to disclose how much loan holders charge daily on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.

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 2022-04-12
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was told that my case was ongoing and no payments were due, I now found out Im 6 months behind. 

I called 20 times this year and bank told me that they are still sending documents and when i got them notarized I would start making payments Now I found I owe {$7000.00} I have no fore-closer date or anything its like Im in limbo. 

They also told me any payments this year before documents were submitted would be due at end of loan no they are telling me something else

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 2022-12-14
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, was involved in an accident on XX/XX/XXXX at approximately XXXX with a XXXX XXXX XXXX and an unidentified XXXX XXXX driver of a XXXX XXXX XXXX XXXX who backed their vehicle into mine ( XXXX  XXXX XXXX XXXX XXXX. We exchanged insurance information with theirs being XXXX and mines XXXX. 

My insurance has found me not to be at fault yet XXXX insist to have me personally pay for the damages to their client 's vehicle. So much so that XXXX has forwarded this " debt '' to AFNI. AFNI continues to harass me stating that they were unable to contact my insurance provider and confirm coverage at the time of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: JPMORGAN CHASE & CO.
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:
Company check my credit without my consent which put hard inquiries on my credit I would like to get them removed it was improper use of my credit Jpmcb, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$4000.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that XXXX and TransUnion consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, XXXX, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX XXXX  and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from XXXX was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted XXXX and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed XXXX. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and Credit Karma to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!

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 2015-04-28
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
They refuse to allow a deferment after I submit documentation. They keep reporting late payments to the credit bureau. They are listed on my credit report several times and refuse to delete multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XX/XX/2022 I initiated an ACH transfer from my Citizens bank account which was swiftly blocked by the company. I called in and they unlocked it after 40 minutes on hold. 

On XXXX  XX/XX/2022. This transfer was blocked a second time and my online access to my account was also blocked. I called them and they hung up after being on hold for 40 minutes. I called again and requested a call back which was answered again 1 hour later. Then they transferred me to technical support which hung up on me after 40 minutes of hold. 

I am not able to use this account at all right now. 

In late XXXX I opened this account with consideration of the {$400.00} new user bonus. I have fulfilled all requirements of this bonus and was trying to move over to it as my primary account. If citizens decides to close my account for no reason after I have tried my best to achieve this bonus, I would like the {$400.00} bonus along with my {$600.00} account balance in a check mailed to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a routine check of my credit score showed a drop of over 100 points ( above 800 to below 700 ). I checked my TransUnion credit report and there was a fraudulent account listed. 

The account was a XXXX XXXX account opened without my authorization on XX/XX/XXXX. 

I submitted a dispute to TransUnion on XX/XX/XXXX. I received the results on XX/XX/XXXX. Their findings were that this was a verified account. That is incorrect. I contacted XXXX. I have in my possession an email from XXXX stating that they " investigated your claim and determined that you're not responsible for any of the charges '' to my account. 

How can I get TransUnion to rightfully remove this fraudulent account from my credit report??? 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us

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 non-monetary relief
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In 1996, I graduated XXXX Iowa. Six months after my mother who raised me on her own, passed away. XXXX informed me due to hardship I could take a forbearance. I was told all that would happen is I would be able to wait until I started my payments on my XXXX loan. I was surprised when XXXX told me I needed to start paying off my now XXXX loan due to interest accruing. It has been 20 years and I am finally back to the XXXX original loan. This loan has caused me and my wife the inability to not move forward with the house we would like to purchase. XXXX/Navient has put financial straint on my life due to them taking advantage of me during a tough time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to get the fedloan.gov to certify my eligible student loans for public service loan forgiveness. I have been trying to resolve this matter for over a year with numerous phone calls  ( 10+ )   and submitted written requests.     Issue is whether  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  a non profit  501 ( c ) ( 6 )   qualifies for public service loan forgiveness?      Public Service Loan Forgiveness is gr anted in the following circumstances '' " If your organization is tax-exempt, but is not a  501 ( c   ) ( 3  ) organization, it could qualify under this category if it provides a qualifying public service. '' Fedloan.gov will not provide what standard is used to define the following qualifying public service :  Emergency management Public safety T hey wo n't tell me if I do qualify. If do n't, why not? What is the standard. No guidelines exist and no one will put anything specific in writing. I am constantly put on hold fo r 20 m inutes or more and then hung up on.     https : //myfedloan.org/borrowers/special-programs/pslf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone tried to get a credit card using my information with XXXX XXXX XXXX  in South Dakota on XX/XX/2022. I only found out because of the membership I have with XXXX XXXX XXXX, sent me the attached report. 
I have all my credit " frozen '' with Transunion, XXXX, and XXXX however Transunion apparently " unfroze '' and did a " hard hit '' for this fraudulent card. 
I tried to work with the XXXX XXXX XXXX  who agreed it was fraud, but now I can not get anyone to send me anymore information to get the " hard hit '' off my Transunion report. My issue is Transunion, and the hard hit, as they hold me responsible for supplying information to delete the hard hit and XXXX XXXX XXXX  is done with it. I did call our local Police department here in XXXX Oregon and filed a police report ( which Transunion said they needed to clear this hard hit ) Transunion will not take the police report number which is XXXX. 
Also attached is the letter the bank XXXX XXXX XXXX  sent ( XX/XX/2022, and the follow up letter XX/XX/2022, to who they thought was the person requesting the card and the follow up letter even after I told them it was not myself but fraud. 
I appreciate any help getting this hard hit off my credit. I had nothing to do with it and am extremely disappointed in Transunion not helping as I am the one that has had fraudulent activity against my credit, and I can not seem to get the XXXX XXXX XXXX  to help now that their benefit is no longer in the mix. 
Any help is appreciated.

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 2016-09-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
I needed to file a claim for a travel benefit. First, my credit card company advised me to pay the car rental company for repairs. Then they denied my claim. Then they told me that they do n't really provide insurance, and that the benefit was advertised to attract new customers.

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 monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}

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