BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: ERC
State: VA
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 or about XX/XX/XXXX I forwarded a proof of verification letter to XXXX requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for  {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my XXXX credit report. There are two other negative items being reported XXXX. XXXX and Enhanced Recovery both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX   XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote XXXX  to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. Enhanced Recovery is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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:
Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...

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 2022-06-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I tried to open a CITI checking account online. It was pending presumably because of a fraud alert I have with the credit reporting agencies. It took 3 weeks before a CITI employee tried to contact me to verify my identity. They left a voicemail with instructions on how to contact their fraud department except that the instructions are incorrect as every time I call I am diverted to CITI 's general customer service dept who has proven absolutely useless in being able to connect me to the fraud department. 

Instead of asking customers to enter their SSN ( which is unrecognized in my case because I don't yet have an account with them ) CITI needs to have the customers enter the file # because that is what is in their system. 

I have called CITI 's so called executive response team several times and they have also been unable to connect me to the proper dept. Absolutely the worst and most frustrating customer " service '' experiences I have ever had.

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 2017-10-04
Company: EQUIFAX, INC.
State: MI
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:
Creditor XXXX XXXX XXXX Account that was included in open Bankrupcty case was removed twice but keeps reappearing on Equifax. They refuse to remove permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been under the PSLF program with Fedloan Servicing for three years now, just began the fourth. In this time-the lack of timely responses, delays and incompetence of the lender and program has grown. This has created frustration, increased payments and longer time paying this monthly debt to qualify forgiveness for me and my family! Current months paid are incurrent on one loan. It took 5 MONTHS this past annual renewal to get processed. Multiple times I was told they could n't read the documents sent in multiple ways by their own method, scan, photo, e-mail and fax! Telling me in coversation it was something on my end! Then, just before I mailed the packet of documents I was informed the IDR was approved and amount of monthly payments. How is that possible??!! Shady.Shady.Shady. I was NEVER informed by e-mail or phone of issues. When I looked in my inbox on the site, it just stated denied without reason ( s ). I would follow up after sending in multiple times asking if legable and was told I would be informed, I was n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Between XXXX I was paying a reduced monthly credit card payment to XXXX XXXX Bank because of reduced income and wages. XXXX XXXX allowed this agreement. 
In approximately XXXX or XXXX I get served at work, XXXX XXXX XXXX XXXX, starting they were taking me to small claims court for non payment. I immediately called XXXX XXXX and told them of the agreement to pay a reduced monthly payment credit card which was allowed by XXXX XXXX bank. The representative said my file was erroneously escalated to collections. He said he would have the file removed from collections and rescind the summons. I paid the debt I full and never heard anything regarding this debt for over 10 years. 
Approximately XXXX or XXXX, I get a letter from a Nelson & Kennard agency saying they entered a judgment for this same account that was paid in XXXX or XXXX. I immediately called Nelson & Kennard and told them it was paid. I asked them to give me account details and a summary of account because this was paid in full 10-12 years prior to this judgment. Nelson & Kennard said they could not produce any account details and had no records for my account. I immediately called XXXX XXXX asking for my account details to show proof it was paid in full. XXXX XXXX stated since it had been so long, that information was purged and they had no details. I then reached out to an attorney who wrote a letter XXXX XXXX XXXX to Nelson & Kennard informing them of unethical collection practices. 
To this day, they never produced any account details nor have they provided any documentation nor proof that I owe any monies from this account that is over 20 years old. The only reason I knew this judgment is still active is because I'm trying to refinance my house and this judgment appeared. My title company has tried to get documentation from this company without any success. 
This company is using unethical collection practices by trying to collect on a paid account that is over 10 years old ( now 20 years old ). Nelson & Kennard can not provide any account details showing that I owe this amount ( which was paid years ago ). It's affecting my refinance and this needs to be removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I recieved a phone call from Navient about student loan payments for 3 private loans ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. During that call, I asked the representative for verification of the debt pursuant to the FDCPA. She said she would mail it out immediately. At the end of XXXX, I received copies of XXXX promissory notes submitted for student-EXCELL loans to XXXX XXXX for XXXX XXXX, XXXX, and XXXX school years. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind.App. XXXX ) " The contract in no way provides sufficient verification of the debt. '' When I again requested verification of the debt on XX/XX/XXXX I was told an electronic signature is evidence of promise to pay. However, the loan has not been verified since I have not received a full payment history and an explanation of how additional fees were calculated let alone proof that Navient holds the loan since the documents I received were all agreements with XXXX XXXX. 

Attached is everything I received from Navient in response to my request for verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
I am an XXXX XXXX XXXX XXXX service member. Freedom Mortgage has inaccurately and unfairly reported various 30 day late payments on my credit report. In fact, The 30 day late mortgage payments are creating an inability to financially create security for my family. The inaccurate and unverifiable information has been disputed by me directly with the data furnisher ; Freedom Mortgage. 

My rights under the FCRA have been violated along with what appears to be a COMPLETE disregard for my rights under the Service Members Civil Relief Act. 

These " late '' payments were a result of being forward XXXX in direct support of military operations in a foreign country. Internet services would go down for weeks at a time making it difficult to make payments on time. I had zero control and couldnt predict when internet services would be impacted. Mortgage payments were on time during the months where internet services remained online. There was NEVER a time however that my late payments exceeded 30 days. I have disputed these late payments as they are not only inaccurate but illegally reporting. 

My role as an XXXX XXXX service member is to protect the country. " FREEDOM '' mortgage is not only protecting me as an XXXX XXXX member but is contrarily causing severe hardship to myself and my family by refusing to update my credit report to reflect accuracy. 

Respectfully, 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 2022-01-16
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Horrible lender, you can't speak to loan officers, they don't respond after they do whatever it takes to get your business. Process takes over 60+ days ... Stay away, stay away, stay away!! Bait and switch between what they advertise and what they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: OH
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:
There recently was a large security breach at Equifax. From my understanding, intruders accessed names, social security numbers, birth dates, addresses, and driver license numbers of those who used their service from midXXXX through XXXX of XXXX. I have been looking for a home in the past 3 months and in order to be approved for a loan, have had my credit pulled. Being a first time home owner has been stressful and exciting but learning that I may be at risk of identity theft has put a large cloud over the experience. Furthermore, I may be at risk for identity theft for my entire life with this information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: DE
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled informing those affected by this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: TX
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:
Equifax recently announced a data breach in which my personally identifiable information was obtained by an unknown external party. I am attempting to place credit freezes on my report with all three reporting agencies, and each of these agencies will charge me {$10.00} for this freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discovery Bank is reporting a charged-off account on my credit profile. They are verifying this account based on an online application where my social security, date of birth, and mother 's maiden name were provided. I've submitted a police report because this information was used by another individual. Also, the address XXXX XXXX XXXX XXXX PA is not my address. Please provide further evidence that this account is mine. Please provide an explanation of how my information was verified. I did not speak to a representative nor sign any documents. How can an online application alone verify a person 's identity? 

I've attempted to address the issue and informed Discovery that the account is false however they continue to report it. I even attempted to settle a debt that doesn't belong to me to avoid the impact on my credit profile. Please provide a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Please see attached document Requesting redisclosure of loan with end date of XXXX 2025. This should reduce monthly payment amount to compensate for Navient 's deletion of my paid ahead status. 

My primary stated complaint was as follows : I have responsibly paid ahead on my loans to build a financial cushion should circumstances, such as maternity leave, create a burden in which I may not be able to make the monthly payment amount. The purpose is to avoid forbearance or potential missed payments, which would negatively affect a borrowers credit score. Navients policy has communicated that any overpayments would be applied as paid ahead status, but now states that my paid ahead status has been erased, and my security against financial hardship has been eliminated as loan payments may not be temporarily suspended.
Navients response : As the interest rate changes, we disclose the loan to repay the loan within the remaining terms while maintaining the minimum required monthly payment. When your loan discloses due to an adjustment in interest rate, any months that you are paid ahead will be erased.
In comparing Navients response to the posted payment policy, erasing my paid ahead status because Navient has changed my interest rate is a deceptive practice with potential financial harm to a responsible borrower. I have been making overpayments for years, building my paid ahead status in case of future financial burden. Navient has erased the cushion I responsibly built. Additionally, Navient policy states that overpayment is applied to future payments unless expli
citly stated in written communication to apply the extra payment to the principle. Yet Navient does not inform a borrower in writing that they may erase this paid ahead status at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right " credit, '' by American Express. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by American Express on XX/XX/2021 via US mail. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by American Express ' adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. American Express is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 2021-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I have a credit card from BK OF AMER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BK OF AMER and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and BK OF AMER with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late twice.

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 2017-12-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a copy of the letter I mailed to Equifax, XXXX, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.

Company response to consumer: Closed with explanation