BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Niagara Restitution Service Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am contacting you on behalf of my son. He suffers from severe XXXX health issues. Therefore I will be his advocate. He was contacted by XXXX XXXX regarding a payday loan from XXXX XXXX Texas. He missed one payment, so someone called him from XXXX on XX/XX/2022. They told him he would face jail time because he bounced a check across the state lines. I called the same number to talk to the rep, and the man was very hostile to me. He refused to tell me his name or give me an address. I hung up with him and called the number on the website. By the way, there are two websites one has a misspelled name, but both have the same number. I spoke to a woman named XXXXXXXX XXXX XXXX  XXXX XXXX. I let her know about our exchange with the other rep. I wanted to help my son, so I paid the rest of the so-called debt. I was promised by XXXX that I would get a receipt the next day, but nothing came across my email. I called the next day again, and the rep that answered said it would be 90 days for me to get a payment confirmation. Since then, my card has had two fraudulent charges on it and still no receipt of payment. This company, I feel, is not abiding by the laws set by the fair trade commission and should be looked into. Just look at the XXXX reports. http : //niagararestitutionservice.com/. Others have been threatened by them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Im am a victim of being focused to pay a student loan when I never started the first day of class. To my understanding the school is now closed and Ive tried my best to get rid of this debt. The school that I went to was closed due to fraudulent loan payments to them and Im a victim of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Open Status Paid or paying as agreed Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid or paying as agreed Status updated XX/XX/XXXX Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XXXX XXXX, XXXX Open/closed Closed Status Payment after charge off / collection Status updated XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Status - Status updated XX/XX/XXXX 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been attempting to contact Comenity by phone and online since Friday, XX/XX/XXXX. The websites for both credit cards I have accounts with through Comenity are down. The sites claim that upgrades are being made and glitches in the system prevent login. When attempting to call my phone, every single phone number provided by the company plays a recording stating that the offices are closed and that no available agents can assist or access account information. I am concerned that Ill be facing penalties for Late payments as I have no way of contacting the institution to submit a payment. I have attempted to contact Bread XXXX which has taken over Comenity Bank and was told that they can not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX XXXX XXXX was due XX/XX/22. I cant pay online because Comenitys site has been down for over a week now on Friday XX/XX/22 I was able to set up a payment plan in the automated system but, they still reported my payment as 30 days past due to credit reporting agencies which made my credit score drop. Im unable to reach them by phone now so they can correct this. My XXXX XXXX card payment is due today as well and they are managed by Comenity as well so that site is down too and I cant reach anyone by phone so I fear I will have the same outcome

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On our about XX/XX/XXXX, two collection accounts were reported to Experian. I found this out while applying for an installment account from one of my credit cards and being declined. While researching the reason for the declined credit installment request with all three credit reporting agencies, I discovered Experian has these two credit collection accounts on the credit report they have of me. 

These two collection accounts are not mine. 

I filed a dispute for each of the two collections account reported on my Experian credit report and only one was removed from my credit report. The second or other collection account remains on my credit report ; for which I filed a second dispute. 

Experian and /or the collections agency refuse to remove this second collections account from my credit report. They insist the account is mine. 

Note : the two collections accounts appear to be from the same Creditor and reported by two different Collection Agencies. Again, one disputed collections account was removed, while the other remains and I am unable to convince these agencies ( Experian and XXXX ) that the account is not mine. I am also not able to file another dispute with Experiam for this issue. 

Agencies invloved : - Experian - my member ID : XXXX. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... this collection account remains on my credit report after two disputes filed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. this collection account has been removed from my credit report. 

I do not have this problem with the other two credit reporting agencies ( at this time ). 

I do not trust contacting the collections agency directly or the original creditor because I do not and have not had with them any business today, recently or in the past. Nonetheless, they insist on negatively affecting my credit report from Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraudulent XXXX account ending in XXXX that needs to be removed from my report as it is causing my reputation harm.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This concerns Comenity Bank where I have two store credit cards : XXXX and XXXX. They claim theyve been redesigning their website for over over a week now. The redesign started in XX/XX/XXXX and as of writing this on XX/XX/XXXX you can not access the account at all. They have a statement on the sites that says the redesign is taking longer than anticipated etc. However, when you try to call customer service to check a/c status, make payment etc no one is answering the phone and a prerecorded message about website issues. No one seems to be saying when this going to be resolved well be hit with late fees and now many people are reporting that their accounts that were in good standing - like mine- their cars are now being declined. All were asking for is some transparency and the the truth as to what exactly the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I saw a purchase of {$97.00} on my PayPal on XX/XX/XXXX on my account under email Id XXXX which wasnt authorized by me. 
I disputed and raised security concern with PayPal on the unauthorized activity. They said that since IP address matches on their side they consider this an authorized transaction. 
I also requested them to escalate the issue that Paypal is onboarding dubious accounts and not performing due diligence. This potential account which is posing as XXXX XXXX XXXX may be cheating other customers. 
I requested them to escalate and resolve both the issues however its being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint yesterday along with XXXX attachments because CFPB requested additional information I have spoken with someone 3 times regarding this complaint. All information was uploaded and now it is closed! 
I fedexed information XX/XX/XXXX So Im starting over On XX/XX/XXXX I sold my house for {$350000.00}. I left the closing with {$0.00} [ seller/buyer settlement statements to be uploaded again ]. I did not get my proceeds because the servicer for XXXX XXXX submitted a {$250000.00} payoff statement for the only first mortgage that was paid off XXXX. ( Or before second mortgage was released in XXXX ) Because XXXX XXXX XXXX  failed to release the lien I had to take the cash from my investment/retirement account. [ XXXX statements ] I have paid fees and penalties and cant replace the money without my proceeds. instead we now have a mortgage on {$200.00} purchase. Without the retirement account i opened in XXXX, I took reduced social security to make the payments. Even after they took my proceeds, I had to contact FDIC to get the mortgage released 3 months after the sale and after paying continental title $ XXXX Because there are multiple issues, I am going to submit separate complaints. ( and in case submission was closed due to exceeded upload limits. ) I will include this complaint number with next XXXX submissions. 1 ) closing 2 ) ; loan payments XXXX ) unsecured debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: KEYCORP
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Key Bank. I had a car loan with XXXX as well. {$600.00} a month was going missing from key bank. I asked them many times to stop giving my money away to someone who was not me. My identity was stollen. And I keep getting additional bills from key bank. I had too close account to stop the theft. {$350.00} the are still trying to get out of me. I am XXXX. It affects my current loan greatly. I can not get a regular loan from this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: AES/PHEAA
State: MI
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 paid off my federal student loans with Cornerstone. Since then Cornerstone has been shut down and has been transferred to FedLoan Servicing. I've never made an account or a payment to FedLoan Servicing because my loans were all paid off. I called FedLoan at the beginning of XX/XX/XXXX to request a refund for the payments that I've made to my federal student loans but they said that they couldn't help since I had no account with them. They are also being shut down and being transferred to XXXX so I can't create an account with them. I'm left in a situation where I'm eligible to receive a refund of my payments but aren't able to because of the servicer migration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: MS
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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

These are the list of Account numbers that have broken privacy including the one above. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: FL
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:
My dispute is with a Wells Fargo ( WF ) credit card. I established my WF account when I was XXXX XXXX XXXX and was a customer for nearly 8 years without complaint. In XX/XX/2020 I went in to a local branch in XXXX, FL with the intention of canceling my credit card with WF. I paid approximately XXXX dollars to close the account out with a XXXX dollar balance and closed both my checking and saving account and moved my primary credit card over to XXXX XXXX. About 8 months later, an apartment renter 's insurance company charged my WF card for about XXXX dollars for yearly renters insurance. I was assured that my WF card was closed when I went in originally in XXXX and as such, WF should not have been able to process the charge 8 months later.

Now, nearly a year and a half later I am still getting charged for this fraudulent use of my card for which the account was closed out in full and should not have been able to be charged in the first place. this has ruined my credit score, my other credit accounts have had their credit limits reduced due to this mistake and I am continuously being harassed to pay back WF over XXXX dollars in late fees. I have tried reaching out to WF multiple times and they have not resolved this issue. This is affecting my life years later and I demand that my credit score be restored to its original score in the 720+ range.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion  more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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