BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm disputing validity of the alleged debt in it entirety this company has been illegally attempting to collect a debt I do not owe and negatively credit reporting inaccurate information. never received notice in writing they did not investigate disputed information before reporting to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2017 I purchased an XXXX XXXX from an XXXX store using my Citi credit card. After one month of normal use, the display of my device spontaneously shattered, obviously due to internal pressure in the glass resulting from a manufacturing defect. My device was still under the manufacturer 's warranty at the time, which specifically states that they will cover all manufacturing defects and that I can bring my device into an XXXX store for repair. XXXX however refused to honor their warranty and further refused to issue me a refund. 

I therefore filed a credit card dispute with Citi, citing XXXX 's breach of warranty. XXXX responded to my dispute with an internal receipt showing my purchase. This was of course irrelevant, as I never disputed my purchase, I was disputing XXXX 's failure to uphold their warranty. It was obvious at this point that no one at Citi had bothered to actually review my case, as I made it extremely clear that I was disputing only the warranty. 

I attempted to remedy the situation by further communicating with Citi, however each time a Citi representative parroted a meaningless " there's nothing we can do '' statement, while citing events that never happened and requesting proof for nonexistent events that are impossible to obtain - including claiming that XXXX has already credited me a refund and demanding that I show proof that they did not ( it is impossible to show proof of an absence of refund ) and asking me to provide proof that XXXX failed to uphold their warranty ( again, it is impossible to prove the absence of repair services ).

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 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-04-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying my student loan now for 20 years. This past XX/XX/2018 I submitted my application to qualify for the public service loan forgiveness program. I had been paying my loan for 120 consecutive months as well as being a full time XXXX XXXX. My application was rejected. When I called the Department of Education they informed me that the type of loan I had with Navient did not qualify. When I spoke with Navient, they said that I was not in their public service loan forgiveness program. They informed me when I started paying my loan 20 years ago they were not a part of the loan forgiveness program. But when they did have the option for people to enroll in the loan forgiveness program, the option was NEVER offered to me. Several times they had me enroll in their forbearance program but never once informed me within the 20 years of me paying them that I had the option of the loan forgiveness program. All these years I thought my loan with them qualified for the public service loan forgiveness program, only to be told after 20 years it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX  appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX balance is showing as {$450.00}, dates open in XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to transunion online and also tried to contact the other 2 credit reporting agency 's. Transunion will not allow me online to view my report. I am submitting this complaint about XXXXXXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and 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 2021-05-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$15000.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my Transunion,  XXXX  and   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections  for about seven days and then automatic report the incorrect information agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm a loyalty Chase and XXXX XXXX customers. But these two banks close all my credit cards accounts recently. 

Chase : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my Chase credit card account ... It's not fair. 

XXXX XXXX : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. 

P.s : All my Chase and XXXX credit cards have no balance due and I always pay the bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions Inc.
State: GA
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:
Documents for removal on report for  XXXX   XXXX . After filing complaint with the CfPB, they were supposed to be deleted.  XXXX  and  XXXX  have complied with deletion. Experian refuses to delete   XXXX    XXXX  ASAP.

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 2020-03-01
Company: EQUIFAX, 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:
On XX/XX/2020 and today XX/XX/2020 I tried to submit a compaint to XXXX online and also tried to contact the other 2 credit reporting agency 's. XXXX will not allow me online to view my report. I am submitting this complaint about XXXX XXXX XXXX XXXX. They reported that this account is delinquent. It is not delinquent. I have had many problems and issues with this card in regards to fraud that was done on the card months ago. I have spent numerous hours and days on the phone with them trying to resolve this dispute. I was constantly transferred back and forth from customer service to the fraud dept to investigations dept back to customer service etc. This has been an ongoing issue. However this card is NOT delinquent! I am upset at the fact that they reported this to the credit reporting agency 's and now my score dropped a huge amount. There is still a discrenpency with {$510.00} with this card that is still not corrected. This card has interest free till XXXX of XXXX. I expect to have the balance ( correct balance ) paid off before then so I do not have interest put on the whole balance. I am submitting this complaint for 2 reasons. My balance is wrong and I want that delinquent remark that was sent to the credit reporting agency 's corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The company,   XXXX   XXXX   XXXX   XXXX   XXXX  , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at   XXXX   XXXX   in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called   XXXX   XXXX  . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Aldridge Pite, LLP
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I finished graduate school and my loans were due again. The payment was {$450.00} not including the new loans from my XXXX degree. I called to ensure my income repayment plan was in place in XXXX of 2019. They informed it was in place and my payment would be lowered and to wait for the system to properly apply my repayment plan. I sent two {$200.00} payments during this time to show I was attempting to repay the loan. After two months I owed the company {$800.00}. I called In XXXX of 2019 to see if my plan would be updated. They informed me that there was no plan in processing. I asked for options and they suggested a graduated repayment plan and we agreed on a payment I could afford. In XXXX, I called to confirm the details again. On XX/XX/XXXX I would pay XXXX to fedloan as part of my repayment plan for both the loans from under graduate and would also include my loans from graduate school. This was what we discussed. On XX/XX/XXXX I logged in to discover I owed Fedloan over {$2000.00} in missed payments and they had been negatively credit reporting me. I had been told once my new plan was in place my account would be brought to current those payments would no longer be owed and negative credit reporting would stop. None of that had happened. Fedloan called me that same week to collect a debt and the employee confirmed the details I had already been told including the cost of the payment, account brought to current, and ending negative credit reporting but that the plan would not take effect until XX/XX/XXXX. I logged in this last week to confirm the details to discover I still owed the company over {$2000.00} in missed payments and a letter saying my payment plan had been denied because I hadnt made three consecutive on time payments. Despite the fact I told them I could afford the payments and that I had been told it wouldnt matter once this plan was put in place. 

This is common with Fedloan. The only recourse offered is usually forbearance where the owed payments its rolled into the principal of the loan. This means if you cant afford payments they elongate your loan by dragging out the approval process to rack up several missed payments which cant be repaid ensuring the borrower will be unable to pay off the loan. Additionally, through negative credit reporting they can prevent you from re-financing because they have hurt your credit. And lastly, I cant move to another loan serviced so Im stuck trying to get an affordable repayment plan with company whose only interest is keeping me trapped in this loan as long as possible. It is impossible to hold them accountable. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On  XX/XX/2017    I was contacted by someone  at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was  XXXX  would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one  else associated with Ally financial. After a long and frustrating conversation with  XXXX   I was t ransferred to  XXXX  the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally  XXXX  told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an  hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes  XXXX  came back to the line and stated that  XXXX  was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded.  <P/> For reference purposes the phone number that contacted me was  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 2023-07-25
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not a Discover Bank loan applicant or customer, but I have been receiving emails related to multiple Discover loan applicants. The information that was erroneously sent to me includes a valid loan reference number, name, credit scores, and detailed credit report information. So far, I have received information on six different individuals between XXXX XX/XX/2023 through today XXXX XX/XX/2023. I reported this data leak issue immediately to Discover since the first incident and had been reporting it to Discover every time I receive a notice. 

However, to this date, the issue still hadn't been rectified and I am still receiving info on more individuals. 

The customer service team I talked to wasn't able to provide any helpful information as to why I am receiving info on these individuals, and I felt I was talking to a vacuum. 

This is a serious leak and something businesses get sued and fined for. I am reporting the issue here as I've tried all I can so far and really didn't know what else I could do to stop Discover from leaking credit report info.

Company response to consumer: Closed with explanation