BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am uploading 2 different copies of my credit report to prove that Experian credit reporting company is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX is a fraudulent account I have disputed this numerous times. It has been removed off my XXXX credit report which I am uploading proof. Experian sends me the before and after dispute results and all they did was add I am disputing this as a fraudulent account. After research and contacting legal advice I was told by my attorney any fraudulent account is to be removed from my credit report. Another discrepancy is my XXXX account. On Experian it is showing as account that is negative and will go to a positive in the year 2022 well on XXXX   it is showing as account paid as agreed and account that is satisfactory. Experian I feel is not doing any investigation on my disputes. If they did this matter would have been corrected and resolved already. My Experian report looks horrible because it has all incorrect information. It is affecting me in obtaining substantial credit. However on my XXXX  report there is nothing negative as it should be reporting. I am constantly having problems with Experian in getting them to correct the completely wrong information on my report. They dont care as its not there name being ruined its my name.

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 2017-01-23
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans are held by Navient. I have had trouble with repayment since they became due. I have called Navient on numerous occasions, probably dozens of times, since my loans moved from XXXX XXXX to Navient, in an attempt to lower my payment or come up with a solution when I am not able to afford to make payments. The solution offered by Navient is always to put my loan on forbearance, and they usually suggest long forbearance periods, typically one year. 

Navient has failed over and over again to properly inform me of alternate repayment plans such as the income-based repayment plan, which I discovered by researching repayment plans online and found on XXXX. I have also found communications with Navient regarding repayment options to be anything but transparent, and have trouble understanding what my options are. Their verbal descriptions of repayment options over the phone have been confusing and misleading. I have even been told directly by Navient that placing my payments on an income-based repayment plan would increase my monthly payments and pressured to put it on a graduated repayment plan, which will result in unmanageable balloon payments as the due date draws closer. Again, when discussing these options, I am always pointed towards placing my loan in forbearance, which has resulted in interest being rolled back into the principal of my loans. My loans were due to begin repayment in XXXX, and now in XXXX, my balance is thousands of dollars higher than my original balance as a result of interest being rolled back into my principal. 

Although not directly related to Navient as my student loan servicer, it is notable that the first year when I took out loans ( in XXXX and at the age of XXXX ) my interest rate was at 2.5 %. In XXXX, my second year of study, and every year after, my interest rate was raised to 6.5 %, and I was not properly informed at the time by XXXX XXXX ( the servicer at the time ) or by my school of this increase, or of the consequences I would experience later as the result of a huge surge in my interest rate. This resulted in only one semester of loans at a 2.5 % interest rate, and the next 4 years of loans at 6.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MA
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 did not solve my disputes.I have not received correspondence from Experian in regards to current disputes. There are XXXX items disputed on my Experian report and they were not address by Experian. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Experian continuously ignores my disputed and just claims that things were verified in previously disputes. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for XXXX to be in compliance. At this point Experian is in direct violation on multiple accounts according to FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

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 2016-02-18
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Person by the name of XXXX XXXX has consistenly called my place of work asking to contact me ( XXXX XXXX ) on an urgent message, even though I told them I do not wished to be called further, as has my work 's receptionist. They continue to call even after I have told them I do n't know what they are talking about, and to call ( XXXX ) XXXX. The number varies from time to time, as does the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This had been an on going issues for three years. 
Original was from XXXX XXXX XXXX ( or they said they are XXXX XXXX  XXXX This cellphone account was opened at New Jersey, where I have never been and phone bill unpaid for up {$1500.00}. I have called XXXX XXXX XXXX and told them that was not me because it was not my name. XXXX XXXX XXXX tried to get my name and I would not tell them because if I have opened that account, they should have known my name. Therefore, they have transferred this bill along with my address to different collection companies. 
When I called XXXX XXXX XXXX, it couldn't get into the fraud account. It said there were passwords. It made me wondering because what kind of company will open an account that their own administrators can't get in? Maybe it is an inside job? Maybe XXXX XXXX XXXX is also an 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 2021-01-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX Account # XXXX, 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.

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 2016-08-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I submitted a complaint months ago about non-refunded fraud charges assessed to my Chase XXXX account. I received a response issuing a denial, but they intentionally left off over a month 's worth of fraudulent charges to make their decision look legitimate. I have had {$6500.00} taken from my account illegally and Chase is doing nothing to refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have always has high utilization on my Citi Credit Card for years and I pay on time for years. I sometimes pay this card down or off and charge again etc. I took out a consolidation loand and this week paid credit cards off and paid down other cards and this Citi card sent me an email and they reduced my credit limit. I was in process by consolidating lower credit usuage and improving my credit score when they go and do that and that will not hurt my credit score and show my utilization high. They obviosuly did it on purpose. I chatted with them and they claim by looking over account XXXX  they have to adhere by these things and it was out of their control. I filed a complaint and I was told they woudl take it to management. I understand that these things happen but I pay on time and I paid a decent amount this week and in past I have done that and to lower my credit limit is mean and it hurts me as the customer. I was trying to improve my financial position. I was told I could try to get it increased in the future and they always look at accounts. I also told them I just was approved for a large raise which will increase my income by XXXX more a year. This is upsetting and I know they can do this but I have not done anything differently than I have for all the years I have had this credit card. So that is what bothers me. I am very upset to think customers are treated this way and they want to damage people 's credit rating on purpose.

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 2020-03-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From XXXX and XX/XX/2020, the new mortgage processing company after switched from the old mortgage processing company kept asking me to purchase the HO6 insurance ( condominium owner insurance ) even though I did not buy the HO6 insurance after purchased the house 10 years ago. I already provided that my HOA master insurance covered the structure of the house but the new mortgage process company - XXXX ( Loancare company ) bought the HO6 insurance from their own decision while I were still communicating and even after I already purchased and provided the condominium insurance. I am very frustrated with their one way decision buying {$580.00} fee without my agreement and trying to charge the fee to my mortgage account number # XXXX.. The company never listen my opinion that other lenders never asked the additional and duplicated insurance since I already rented out the house. Please email me at XXXX or call me at XXXX for any question. 

Regards, 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 2022-03-28
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2019 I returned a vehicle that I was leasing for the purposes of driving foXXXX XXXX that was originally leased through XXXX XXXX XXXX and was later sold to a company named XXXX. The vehicle was returned to XXXX with no infraction to the contract and no deficient balance. I have been registered at this address. I have not changed my phone number. I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX, XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. I was notified by RPM regarding an alleged debt. I do not owe this debt. I have never been contacted in any form by XXXX XXXX XXXX XXXX XXXX. I verified my account was in good standing before closing the account with XXXX  XXXX. I have never been contacted in any way by XXXX XXXX since closing the account. I verified that I did not break any clause within the lease agreement before and after returning the vehicle and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/2019. 

The company that is saying that I owe this debt is RPM, Receivables Performance Management LLC. This accusation is unfounded and I ask that efforts to collect this invalid debt cease and that the Collection that was placed on my credit report be removed.

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 2022-10-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I calle din to request a refund of the student loans that I had paid off after COVID pause, XX/XX/XXXX and on. They said they didn't have my payment history because my loan was transferred from XXXX in XX/XX/XXXX. They said it would take a couple of weeks to get the info from US DOE and then they could issue refund. It would take XXXX days for me to receive a refund. I called on XX/XX/XXXX because I haven't seen any change in my Mohela account or on student aid.gov. I called at XXXX and after XXXX mins  the system hung up on me. then I called again at XXXX and was on hold for XXXX hours and XXXX mins ( XXXX ). The CS rep was very courteous, polite and professional. But she was unable to see any updates on my account. She only saw that the call that I had made on XX/XX/XXXX and no updates notes after that. my payment history to XXXX still had not been updated. Then she told me that it would be another 30 to 90 days before I would get my refund. I don't even know if the refund has been submitted. I have nothing in writing confirming such and now they are telling me to wait another 30 to 90 days?? I don't understand what is going on and I definitely don't have another XXXX hours to spend on hold. Please help me get an update and accurate timeline. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a modification loan for my mortgage in XXXX 2015. I have been doing payments since then, but I have empty almost all my savings and I struggle every month since the modification the bank gave me has a payment amount higher than the original mortgage payment ; according to the bank that was the best they can offer me if I want to keep my house. This is a 40 years mortgage for {$280000.00} at 4,5 %. If I make all the payments, I been paying almost XXXX XXXX dollars in interest for this loan. Could you help me to find if the bank was right in their decision? Do I have another and better option?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX paid off medical collection account from XXXX XXXXXXXX XXXX ... as of XX/XX/2022 there is a law to remove them from credit reports starting XX/XX/2022

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 2022-03-28
Company: EQUIFAX, INC.
State: CA
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 XXXX Account # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my 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 2021-01-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts 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 which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.

Company response to consumer: Closed with explanation