BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
Credit accessed my account for a hard inquiry without my permission or authorization

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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}

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 2021-06-28
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient keeps reporting late when i have filed with them several deferrmemts and XXXX filed with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I called Bank of America because I was interested in a balance transfer offer they had. The problem was, I needed my credit line increased by {$3500.00}. When I was connected to the rep, I explained to her what I was interested in and what I needed to make it happen. I then told her that if getting my credit line increased involved a hard inquiry, then I would not be interested. She just went along and asked to update my financial information. I then reiterated that she better not run my credit. She explained that she was not a credit analyst and she had no access to my credit. I said O.K, but if I find out there was a hard inquiry, Im going to call back and fight to have it removed. She then put me on hold. Upon getting back on the phone, she explained that she spoke to her manager and they said the same thing, they 're not credit analysts, so they dont know how they will effect my credit. Then she said " good news is you were approved for your increase ''. So I got my increase with the understanding that my credit report would n't be effected. I even told the rep that she did n't explain that she would be pulling my report, so it would n't be legal to do so. After completeing my transfers, I hung up and checked credit karma, and there she was, a hard inquiry from Bank of America. I need this gone!!

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 2017-02-22
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX of my student loans are in delinquency. I paid $ XXXX towards them last week to pay the outstanding balance to bring them current. I called Navient today, and they told me that they will remain delinquent until I pay them in full, which is over $ 100k. I am unable to purchase a home because of these delinquent student loans. I was under the impression that by bringing them current, they would bounce back to a current status where I can pay them monthly just as I do on my other loans. They told me that I can pay them monthly but it will not bring them current. This seems very unfair that I must pay my student loans in full in order to bring them current. The past due amount on them was paid in full. Why can I not keep paying on them every month to keep them current just as the other loans? This has put a complete stop to my life, as my credit is suffering and due to these private loans ( not my credit score specifically ) I am unable to buy a home because the mortgage companies see me as a risk with delinquencies with a federal agency. Technically, with paying the past due amount of $ XXXX, I am not delinquent on these loans any longer. I find this to be very unfair and am looking for some guidance on how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I retrospectively know now that XX/XX/XXXX XXXX XXXX sold roughly {$1200.00} worth of my student loan debt to Navient that I was paying off well in advance of what was due. XX/XX/XXXX, I made what I thought was my final payment to XXXX XXXX and to pay off in full, my student loans. XX/XX/XXXX I had my first communication with Navient in the form of letting me know I owed over {$2200.00} on the loan they bought from XXXX XXXX XX/XX/XXXX. Over a {$1000.00} in interest was charged to me in a deceptive manner. Now Navient wants {$250.00} a month the settle the deceptive loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: FL
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:
The company was asked to investigate and remove accounts but failed to do so in the required time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My credit has been ruined by Navient/XXXX. I experienced a difficult time obtaining a home loan. Since the beginning of XXXX, XXXX XXXX at the time, did n't want to work with me to find a viable payment plan. They just kept asking for whatever was due for the month and told me the only solution was to do a forbearance if I wanted any relief. I told them my situation and that I was n't earning enough to pay the amount they set for me. I was right out of school and they were forcing me to pay almost XXXX of my monthly income. I never missed a payment, I just could n't pay the whole amount in XXXX. They then placed my loan on default status and I was sent to collections in XXXX. I maintained a good record up to this day, but the first year in XXXX, my payments were n't being applied, the amount just kept going up each month. Now my credit report shows I 've been deliquent, despite making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX XXXX private loans through navient and XXXX ; the degree is worthless, and more loans were taken out than necessary, without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I have an account with Best Buy. I recently checked my statement on line and found a charge of about {$28.00} and some change for Debt Protection Service. Since I acquired the account I never authorized to have this service. I contacted Debt Pro company and they say it was activated in 2007 and I have been paying on it since. I called Best Buy, they could not give me a straight answer on how this was added without my authorization. I am looking at getting a credit towards my Best Buy account for the amount I have been paying for this unauthorized service since 2007.

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 2016-07-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I did not receive my XXXX 2016 statement from Citibank. I was charged a late fee and interest by Citibank. I called Citibank to resolve this issue only to given a run around. I would like this matter to be resolved immediately. 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 monetary relief
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
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:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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:
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 2016-06-26
Company: Southern Credit Adjusters, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This seems to be an extention or part of the original debt I have submitted today with your company CFPB - XXXX/XXXX/2016 -Case File # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Village Capital & Investment LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I contacted village capital to get the Service Member Civil Relief Act. I called and sent several email. XXXX XXXX. I called their customer service and gave me a false email. I sent information on the general email and got a sales person. I refinanced with village capital back in 2020. They are not helping me with SCRA. I contacted them several times and it became frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know why this collection is on my credit for an account that was closed in XX/XX/1999. This company keep updating account so it will continue to be on my credit. I do not havwe an account with this company and I would like if they will verify that I owe them and why. I would lke for this to be removed off all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, XXXX, I made arrangements with the Santander # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
How are payments to an installment loan for an automobile supposed to be applied? For instance if you are 30 days late on a payment and you make XXXX full payment can the lender apply those funds towards interest for the late payment and the currently due payment before apply anything towards principle?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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 status incorrect

Complaint:
The account was in a collection status due to late fees at total of XXXX dollars from XX/XX/XXXX to XX/XX/XXXX and then in XXXX XXXX the status changed to XXXX past due and XXXX XXXX XXXX has been reporting the account every month as XXXX past due since XXXX XXXX. In XXXX of XXXX, I got an email relating to COVID-19 that late fees assessed that I have attached for reference. I also, got a letter this year in XX/XX/XXXX, asking me to remit XXXX dollars and the account would be considered close and the matter resolved. This payment was submitted and processed on to XXXX XXXX XXXX XXXX for the amount of {$31.00} on XX/XX/XXXX I had attached this letter for reference. I have not received the title as well. They are reporting this account every month as late on a payment.

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 2021-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage servicing company, NewRez LLC ( aba Shellpoint Mortgage Services : XXXX ), and previously, XXXX, have neglected to pay my XXXX quarterly property taxes. Taxes are broken into two parcels : a ) apartment {$3700.00} and b ) parking XXXX. As a result, my property is currently delinquent and is accruing daily interest penalties. 

I have been making my monthly payments in earnest on a monthly basis. My escrow account has more than is required in order to satisfy all outstanding payments. 

All my attempts to contact Shellpoint and convince them to make the disbursements have been unsuccessful. I submitted to Shellpoint multiple " Notice of Error '' emails and faxes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Experian Information Solutions Inc.
State: OH
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 have disputed many of the inaccuracies being reported by Experian using their online complaint procedures and Experian refuses to have my credit report showing accurate and positive information. Experian has many old accounts that are included in bankruptcy reporting derogatory and collection and showing as if it were still debt. I have absolutely no new derogatory or collections on my report in the past three years. The inaccurate reporting is stopping me from making good efforts in repairing my report. XXXXXXXX XXXX ( along with other accounts ) should have been removed from the report along with other debt included in my bankruptcy. I feel Experian denying my rights to repair my credit by using old accounts against me even after showing proof these accounts are part of bankruptcy. I will provide an example with attached photos. 

Experian is quick to report ALL negative stuff but very very slow to report positive. For example, a new inquiry hits the Experian report within minutes. Balances on good standing accounts remain the same after positive payment history. I have made OVER {$1200.00} worth of positive payments absolutely NONE reported! Ive obtained new credit only one reported and showing but not updated because it was paid off.

I have my debit card linked and every single time the balance changes Experian sends notifications This is 100 % unfair credit reporting!!! I have been maintaining all positive behavior for three plus years and Experian is totally disregarding all of it!

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 2016-09-02
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance company at the time paid the debt owed to a hospital. 

The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. 

When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. 

I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
The merchant put a {$50.00} hold on my card, as a deposit at a hotel. The card company made a mistake and held {$350.00}. The merchant and myself both told AmEx that this was a mistake but Amex isnt listening. Now my account is {$250.00} negative, despite that the hotel " forced the transaction '' and made it a charge of {$53.00}. Amex still isnt acknowledging the mistake or willing to fix it. The merchant even told them it was a mistake and tried to do everything they could to correct it but Amex refuses to make any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have send numerous letters to this company and they have not responded.

Company response to consumer: Closed with explanation