BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EQUIFAX DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX XXXX XXXX AND EQUIFAX DATA BASES THIS IA FRAUDULENT PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I called Experian to have them take all accounts in dispute out if dispute on XXXX, XXXX XXXX. They told me there was no dispute. There was on my credit report. I called twice on XXXX XXXX XXXX and the person I spoke with OPENED THREE DISPUTES without my permission. Doing the exact opposite of what I asked. I am in the process of buying a house and my mortgage will not go through if anything is in dispute. I explained this to TWO people. I called them to ask how they could file a dispute when that was the exact opposite of what I told them to do. I was told the dispute center was closed, and to call back the following day.

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 2017-10-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was XXXX at the time when I originally got XXXX XXXX loans ( now Navient ). They gave me multiple private loans one for {$3000.00} with a cosigner and one for {$7000.00} for myself. I was current on my loans for many years. Then in XXXX 2013 was in a serious car accident that XXXX XXXX XXXX XXXX XXXX XXXX I was going from making {$42000.00} a year to making XXXX. Right after my accident my credit plummeted I obviously was unable to pay nothing as I XXXX and learned things such as how to dress and shower myself. All of the other loan companies worked with me and eventually XXXX my loans through XXXX and XXXX XXXX. All except XXXX, they were completely unwilling to work with me on my loans or even lower my payments which was eventually $ XXXX month by then. I told them countless times I was not working, but I im in a VR assistance program ( still am ) trying find gainful employment. I asked them to make payments more reasonable but they said there was nothing I could do. They called so many times. When i was n't able to pay my lower loan of {$3000.00} the continually harrassed me and my cosigner who was also going through a financial difficulty after XXXX her husband. Still the harassing of my cosigner and me continued. They never stopped calling, at times I felt just like XXXX. They were so harassing. When I answered i would say I 'm XXXX I ca n't pay the now {$600.00} they wanted. They also said forbearance was n't an option and I pleaded with them their response was " it 's out of our hands ''. I said again I ca n't pay this stop calling. Still I got XXXX XXXX to XXXX harassing phone calls telling me of my delinquencies and that i needed to pay up. They often changed their numbers including area codes and I told them countless times I was not able to pay. Currently Navient has a charge off on my credit that is increasing monthly and is at the amount of {$17000.00} while i get XXXX and still search for a job - I ca n't pay this! Navient has completely ruined my credit and their shady practices need to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am requesting with this written complaint that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : XXXX XXXX XXXX   XXXX Status states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. 
XXXX XXXX XXXX XXXX Status states this was a collection account. This is incorrect. The Account type is incorrect. This is nonfactual reporting. Please remove from credit report. 
XXXX XXXX XXXX XXXX XXXX From XXXX This account reflects 3 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXXXXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX. This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX XXXX This account does not belong to me. This is non-factual reporting Please remove this account. 
XXXX  XXXX From XXXX This account reflects 9 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX  XXXX From XXXX This account reflects 9 consecutive months of 120 days past due. You can not have more then 1 month with the same number of past due. This is non-factual reporting Please remove this account. 
XXXX XXXX XXXX This account does not belong to me. This is non-factual reporting Please remove this 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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXXXXXX XXXX XXXX, I filed a dispute with Transunion asking for an investigation for an unverified account of Bankruptcy of XXXX XXXX reference number XXXX. I received a letter from them saying that they would not investigate. I know this goes against the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$10000.00} check on XX/XX/2019 through BOA app 's mobile deposit on cell phon and was told the fund would not be available till XX/XX/2019. Namely it will take Bank of America 10 days to clear the check and make the fund avaialble to me. I called consumer service and was told there is no way to accelerate the processing. Neither can I stop the check processing. 

In my opinion, Bank of America is taking advantage of consumers by intentionally holding their fund that otherwise should be available to consumers without paying any interest. It's 21st century now and how could it be not possilble for a commercial bank to clear a check within a couple of days.

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 2017-10-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased new XXXX with first payment of XXXX due on XXXX. On XXXX phoned in payment of XXXX with bank routing and checking account number. XXXX XXXX XXXX XXXX began calling on XXXX due to no payment and thru XXXX a total of XXXX times ( I was on vacation and working so was unaware of reason for call ). On XXXX received letter informing me of nonpayment. I called only to be told money had been received but had not been applied to my " monthly '' payment but principal only ( loan is 0 % ) so in my mind I am paying principal only and no interest is required. This was at approximately XXXX on XXXX. Customer rep said they would fix and we were square. At XXXX pm received harassing phone call wanting payment. I stated hope this call is recorded for if XXXX does not suspend calls I would seek legal counsel. Chases ' payment phone number is confusing and I was told I was to blame for hitting wrong button. My understanding is XXXX knew I had sent in XXXX to be applied to the loan account but would not apply it because I hit the wrong button. I have excellent credit ( over XXXX by most credit ratings ) and am trying to keep it as so, but I am anxious if I will succeed with Chases ' current administrative methods. This is an attempt to receive attention to their problem not mine, but if they continue to call, I will not hesitate to seek litigation. Thank you if you can resolve XXXX 's problem because I truly feel I have done nothing wrong and will continue to make my payments if allowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Several days ago, I applied for a credit card with XXXX XXXX XXXX. They requested a credit check from Trans Union. Trans Union advised XXXX XXXX XXXX that credit reporting on my account was frozen ( at my request ). I immediately contacted Trans  Union and asked them to temporarily remove the credit report freeze. The computer screen informed me that this was done. A day later, I checked, and the credit freeze was still in place. I called Trans Union on XX/XX/19 and requested that the freeze be removed. The representative indicated that since my request came after business hours, I needed to call the " Special Handling Dept '' the following day. On XX/XX/19, I called the " Special Handling Dept '' and asked for their assistance to remove the credit freeze. Unfortunately, the " Special Handling Dept '' said that they could do nothing for me and suggested that I call the " Consumer Resolution Team ''. But when I asked to be transferred to this " Team '', I was informed by XXXX that they don't take calls, and that I can only leave my name and personal information as well as a time when they can call me back. I'm now waiting for that callback. 
My question is : Why does a consumer have to go through several days of " run around '' with Trans Union when they specifically mention that if one puts a " Credit Freeze '' on an account it can just as simply be removed ( permanently and temporarily ). If so, why am I being made to jump through hoops? Is it because I had reported Trans Union on an unrelated problem concerning unauthorized charges on services that they were charging me for and which I did not need? Why am I being " Black Listed ''?

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 2019-07-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony bank has, for the third time in the last 3, allowed someone to fraudulently use my information to open years. 

OnXX/XX/XXXX, I received a notification from PayPal that I did not request. I called and requested information, and was advised to change my password. 

However, on this day, someone else was actually opening a credit card in my name. 

My concern with synchrony bank is that they are not properly screening applicants, as none of my actual information except the social security and phone number matches the information on the active account. 

They should be held responsible for their lack of effort in protecting social security numbers and ask for positive ID before allowing people to open accounts. Its completely ridiculous that this has happened three times over, and they come the credit bureaus instead of accepting responsibility for their own negligence.

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 2021-07-22
Company: WELLS FARGO & COMPANY
State: WA
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:
I cosigned on a Wells Fargo Student loan for my son back in XXXX of XXXX. It is now 12 years later and my husband and I ate " future '' planning for ourselves, our kids & grandkids. 

My being a cosigner is having an impact on those plans. I requested my son ask to have me released. 

We received a letter by the new servicing company, XXXX on XX/XX/XXXX stating we were denied our request all because he made " one '' alleged, late payment in XXXX of XXXX ; over 8 years ago! 

I spoke with both a representative, XXXX and his Supervisor, XXXX by calling XXXX, today XX/XX/XXXX. 

Apparently because that alleged, late payment fell " just '' inside the first 24 months of the loan repayment origination date ; it nullified ANY future release of cosigner request. 

I was told mine and my son 's only options were to ask that they ( XXXX XXXX ) file a complaint on our behalf. Which is an internal conplaint and I'm not able to receive a copy of the filed complaint nor is it likely I will receive a response let alone the complaint actually be reviewed. 

I believe this regulation of loans prior to XX/XX/XXXX is not only unfair. It is extremely stringent, penalizing of those who have shown good, responsible repayment history and their cosigner 's ( over the existing, life of the loan ), it is out of touch with current regulations and must be changed. 

*Even someone who files for bankruptcy is forgiven and can start fresh after 7 years in most financial circles. 

Sincerely,

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 2022-05-04
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: Account information incorrect

Complaint:
Experian Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number

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 2019-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. 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 2017-09-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can not get through to Equifax or XXXX to freeze my credit accounts. All available phone numbers I have tried do not get through and the websites are giving me errors. 

I am extremely concerned about fraud on my accounts and would like to freeze them ASAP after the XXXX  hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 contact TranUnion several times to have these fradugelent inquiries removed from my credit report. I am told to contact the companies listed which I have and they tell me that I need to contact the credit bureaus. I am going back & forth without any resolution,. These inquiries need to be removed ASAP. I have sent them a police report as well showing I have not applied for anything.

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 2019-07-21
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to communicate in writing with Nationstar LLC aka Mr. Cooper concerning a mortgage modification. I asked Nationstar LLC to communicate with me in writing, so I can have all communication checked by legal counsel. I have written directly to XXXX XXXX, who supposed to be my loan specialist, but have yet to receive any written communication from him. 

I have received a letter from Nationstar LLC that is can not and will not consider a loan modification, but I keep receiving email messages from the company requesting that I call it because it can help me. I wrote to Nationstar LLC asking what I should believe : the letter or its email. 

Nationstar LLC refuses to respond in writing. XXXX XXXX has not corresponded with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Healthcare Receivables Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt validation letter was sent the company. The company was given 14 days to respond as of XX/XX/2022 company has not responded. It is going on 30 days and the company is refusing to provide validation for this debt. This is the XXXX notice asking the company to validate. A complaint has been filed with XXXX for mail fraud and the Attorney general for fraud as well. They're in violation FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: V and H Portfolio
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: Experian Information Solutions Inc.
State: CT
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:
In XX/XX/XXXX, I leased a brand new XXXX through XXXX credit company. In XX/XX/XXXXI paid my payment a little late and they applied it to the XX/XX/XXXXpayment early. The next payment I made was applied to the XX/XX/XXXX payment, the next to XX/XX/XXXX, etc. So basically my account ended up showing FIVE months late because they never applied my payments to that XX/XX/XXXX bill. I was NEVER notified that my account was showing anything but current. In XX/XX/XXXX the vehicle was totaled and paid off completely by insurance. We 've disputed this with them on several occasions and have been given the run-around every single time. Getting them on the phone is almost impossible and only one person ( out of the about 20 we 've spoken to ) spoke English, so it 's very hard to get anything done. They are a horrible company to work with and do n't care that they made a mistake and have made zero effort to fix it. XXXX and XXXX have removed it but it is still showing on Experian despite the fact that we 've disputed it several times.

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