BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is the worse company for communication. They sent several emails, to which you can not respond to, stating that they have transferred the account to another company. Then the loan repayments were suspended due to covid. However, all during this time Navient continues to call and harrass myself and family regarding repayment. 
This needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : 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 explanation
Consumer complaint received 2019-11-27
Company: CITIBANK, N.A.
State: GA
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 was invited several times to apply for a XXXX  credit card, I finally did it and I was denied, the reason they said it was because I was late on my other credit card. I have all my statement I have never been late with them or any other card. When I called customer services they passed me from Business card department to customer service to XXXX  department etc 8 times without solving anything or showing proof of where I was late. when I asked to make a formal complaint or speak to supervisor they kept sating they couldn't hear me. I hang up and called again, the same thing happened when I asked to speak to a supervisor, suddenly they couldn't hear me. So they refused to prove i was ever late and refuse to take my compliant.

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 2017-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Tran Union because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " XXXX '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XXXX to XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XXXX/XXXX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX 24/7 and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent Transunion a copy of a settlement agreement between myself and XXXX where XXXX agreed to remove all XXXX cards from my credit report. Transunion has refused to do so. They are now reporting XXXX as having XXXX missed payment, from an account that 's not supposed to even be reporting. XXXX is also reporting again when both the Consumer Financial Protection bureau and Transunion have a copy of the settlement agreement. These accounts are not mine. XXXX is reporting and this is an account I neither opened or authorized. Finally, there are XXXX fraudulent credit inquiries reporting on my credit that should n't be there. I sent in the required, notarized statement that these are unauthorized inquiries as well as a police report, yet they are still reporting these inquiries. They are as follows : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 2017-04-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
Synchrony bank has been cancelling my cards and/or lowering my available credit based on ( they say ) some score from XXXX. The ONLY negative impact to my score is what they are causing and then they use the negative impact to do it again! I have contacted them and the only answer I can get is they " use a score provided by XXXX '' I have been working very hard to get my score back up after a bankruptcy and it was working until they started doing this practice. My payments are on time and I have lowered my balances which should have a positive impact but the harder I try the more they defeat what In have accomplished. They even cancelled a card that had a XXXX balance! They have a monopoly on store cards so this is a VERY big problem for me

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 2017-08-31
Company: Maury Cobb, Attorney at Law, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Repeated phone calls and when those calls are returned, there is no answer and the mailbox is full. This debt had been cleared previously and it is showing on my credit report as in collections which is damaging my credit. Have sent an email and tried to reach out by phone numerous times. Unsatisfactory business practice and is far from how a legitimate attorney or collection agency works. As the debt concerned a XXXX medical spending account issue and has been resolved, my credit report should be cleared. Not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: CIG FINANCIAL LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle on XX/XX/XXXX from XXXX and it was financed by CIG Financial. As part of the transaction I traded in my previous vehicle that still had a loan pending and part of the sales contract was for my previous vehicle to be paid off. 

CIG Financial funded the transaction without verifying that the dealership paid off the trade in. The dealership never paid off the trade in and now I am left with XXXX active car loans. The dealership went out of business a couple months later filing a no asset bankruptcy and retain the vehicle. 

I contacted CIG Financial on XX/XX/XXXX and XXXX asked me to send him the documentation showing that the trade in was not paid off to later tell me that they will not do anything about it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am in the XXXX  program for XXXX  and XXXX  people. I have been trying to get XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX to leave me alone. Yes I was in the hospital for nine days but I gave them all of my information from my XXXX  card, my XXXX  card and I am not willing to fight with them anymore that I don't have to pay the XXXX  deductibles, co insurance and co payments. The bill is for {$1400.00} from XXXX XXXX. It has now been sent to a collection agency called Paragon Revenue Group located at XXXX XXXX XXXX Ct, XXXX, NC XXXX. There phone number is XXXX. I don't no what else to do. Please help. I really hope that this agency can fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: COAST PROFESSIONAL INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I keep getting letters from dept of education stating i took out a loan to a school in arizona i never went to ... .never applied to an never heard of before. I graduated from XXXX.College in 1992 I completed the XXXX programme.this school would not have helped me at all in my career. I have dealt with this issue before as i have had my taxable earnings held back from me before. ..I thought this issue was resolved but now ive lost my tax return again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have had a Discover Card since 1989. I have never missed a payment. Discover closed my account due to inactivity even though I made a purchase and paid in full as they requested. I called customer service and was told there was nothing that can be done. The supervisor, XXXX, did nothing to find out if there was a simple reinstatement process. I feel as though I have been an outstanding customer and complied with their rules and they closed my account and affected my credit score as a result because now the age of my credit and credit lines have become reduced. After a number of calls and a letter they refuse to reinstate my account. I have done nothing wrong. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Early Warning Services, LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: BARCLAYS BANK DELAWARE
State: WI
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 had a credit with Barclay. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Multiple dispute attempts to remove negative and inaccurate information from 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 non-monetary relief
Consumer complaint received 2021-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2021 : I didn't request this inquiry. I called to XXXX XXXX  Customer Service and their representative told me he didn't know who to transfer my call. 

XXXX : I didn't request this inquiry. I already reported this inquiry as a fraud to XXXX, but it still appears on my Trans Union 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Transunion and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove Inquiries and Accounts, XXXX XXXX XXXXXXXX Inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX date opened 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 non-monetary relief
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Just reporting a scam phone call from this number, XXXX, XXXX XXXX, XXXX saying they are from Bank of America EDD debit card asking to reactivate my card to avoid loss of balance and permanent closure of my account, asking for me to text my account user name and password to the above number within 5 hours. 
I know it's a scam, just wanted to report, thanks

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 2017-08-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
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:
HAVE BEEN GETTING PHONE CALLS FROM WELTMAN, WEINBERG & REIS FOR OVER 9 MONTHS over a credit cards that I paid of from XXXX. I live in Michigan were they are bar from. So they are using a local attorny to steal money from me, Her name if XXXX XXXX XXXX phone XXXX who has started calling me. I told her to stop and blocked her on my phone. What I owe XXXX is money that the tried to take from my bank! They also took money form my XXXX card and charged my credit card with the money that the stoled!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint in XX/XX/XXXX regarding a " delinquent '' US bank line of credit with CFPB. I was rewarded my desired solution in that they were supposed to REMOVE the account from my credit report. What US bank did was mark the account as paid and closed, but what I 'm currently finding out is that it still shows up on my credit report as a delinquent account and it is affecting not only my credit score, but I am not able to refinance my student loans from XXXX school because of it. It 's severely affecting my life once again with an account that was never delinquent and it was declared in my favor back in XX/XX/XXXX, but US bank never did their job. I 'm assuming you can pull up the complaint from XX/XX/XXXX, which is why I 'm sparing you the details of the issue. They should already be on file. The short hand version is that I closed my account with them in XX/XX/XXXX and they failed to close the account, made a new " rule '' to charge accounts without a minimum balance and started to charge me every month without ever calling me or sending me any bill in the mail, so I was unaware of these accumulating charges with an account I assumed was closed. I never knew of the issue until I tried to get a mortgage loan and my lender found this on my report. They are very wrong in this situation and now they are wrong again and negatively affecting my credit once again.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX I always go on line to pay my bills at Bank of america. 
that day they were updating website. so as usual I setup up to pay my bills after XXXX XXXX is when my check come in. 
not realizing that as I had set it up something happened. 
I was getting emails of insofiance funds in my account. 
XXXX XXXX Friday. 
so I made the appointment to the bank, and I spoke to Reprehensive at about XXXX XXXX she called accounts transfer in the bank, they could do nothing because they were still transferring from accounts. 
the bank want to know if I still had the credit card from bank. 
I said yes, its at home in draw. wanted me to add the ove drawn on to my card for me to pay for their mastakes. I said Im not paying for your mistakes. 
so Ive set up another appointment for XXXX XXXX to see if they have corrected this problem. 
its been very unsetting. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the 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