BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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 2015-04-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been trying to refinance my mortgage but due to how my student loans are being reported to the credit bureaus I was not able to get approved. The loans are being reported with an original credit limit amount, however the balance has grown much higher to the original amount due to interest being capitalized during my deferment. It appears to my credit report that I have exceeded my credit limit which negatively impacts my credit score to be approved for refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email that the email address on my Experian account had changed. I tried to login and was told that the email of record on the account was changed to XXXX. That is not my account. I tried to call to complain and got a voice recorded system. I complained on Twitter and was told to FAX A copy of your driver 's license, state-issued ID, or passport, A copy of your social security card, A copy of a recent utility bill, bank statement, or insurance statement to some phone number. I did. A week later I got a statement in the mail that my account has been locked. I just tried to login and was told that it is now tied to XXXX. 

I am trying to buy a house. This is ridiculous. Experian support is non-existent.

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 2016-09-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Citibank atm took my money without depositing in my account, and only paid me back a portion of the funds. The branch is giving me the run around after claiming fault.

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 2017-08-14
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX GA XXXX This company bought my two duplex loans about a year ago and it has been a NIGHTMARE since day one. Even though we pay both our mortgages every month because we are currently in active bankruptcy we have NO way to look at our account. I get no statement, can not see anything online and the ONLY way to pay the bill is to either mail it and hope it get credited correctly or call and be on hold for about an hour and pay over the phone. I am told the only way to get a statement, escrow balance or ANY information about my loan is to FAX my request to them AND I have to send a separate FAX for each statement or piece of information I want to know. I have a right to the information about my loan!! How do I know what my balance is or if my payments are being credited or it I am being changed 'unknown ' fees. I want access to my loan information without jumping through any hoops to get it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: Information belongs to someone else

Complaint:
I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4100.00} OPened XX/XX/XXXX XXXX  XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/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 2016-10-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have over XXXX unauthorized credit inquiries on my equifax report.. I have sent out certified letters to the creditors and have also tried disputing it with the bureaus. They just keep telling me that there is nothing they can do about it. They said I need to contact creditor which i have done at least 3 or 4 times. Ive tried calling and also sent out the certified letters. Please help. My husband and I are trying to clear this up because we are trying to buy a house. 

Below are creditors and dates of the inquiries : 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 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 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 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 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 All others were authorized. Thank you so very much.. I dont know what else to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receivable Performance Management LLC has called me repeatedly every day for the 6 months 2x may be 3 times a day and threatened to serve me with documentation stating I owe this debt. They  stated they would come to my place of employment after I have stated do not come to my place of employment, after I have stated this debt is no longer valid the original company is not persuing this debt. 

Thank you 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 2017-03-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my XXXX last XX/XX/XXXX and also closed my Costco account. 
I got a credit from Costco on XX/XX/2016 for {$55.00} on the XXXX that I then closed. Costco changed credit card companies months later and I got a new Citi ( Costco ) card that I did not want or order. I never activated it. Now almost a year later I am getting late notices from Citi that I have not paid my bill and they have added {$25.00} in late fees. 
I called them last month and told them I never opened a card and they said that they would close it. So now today I get another bill from Citi that I am XXXX past due. This is fraudulent since I never opened the card and at the time of their transition, I was not a customer of XXXX or Costco. I have great credit and now it will be wrecked over this fraudulent charge. I am getting no where with Citi.

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 2021-08-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received letters dated XX/XX/2021 indicating that I have made either 24, 27, or 29 total PSLF qualifying payments, depending on loan sequence. I received further correspondence on XX/XX/2021 indicating that I instead made either 25, 28, or 30 PSLF qualifying payments, depending on loan sequence. As my normal billing date is the XXXX  of the month, I do not understand why there would be a discrepancy between correspondence on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My previous Income Driven Repayment Plan was {$66.00}.
I joined XXXX XXXX and my monthly salary significantly decreased so I updated my Income Driven Repayment Plan on XX/XX/2017 to lower my monthly payments which should have been decreased to {$0.00} a month. I provided all documents including proof of income and was told over the phone my payments would in fact be {$0.00} a month due to my low income. On X/XX/2017 my repayment plan was approved but had increased to {$180.00} and was automatically withdrawn from my bank account on X/XX/2017. I contacted Navient to ask why my payment plan had increased when in fact should have decreased to {$0.00}. I was told to resubmit the Income Driven Repayment Plan Request form and proof of income. I submitted the documents on X/XX/2017 and on X/XX/2017 my request was approved but only after financial hardships living on such a low salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine

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 2015-06-19
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
I use my Best Buy credit card to make purchases. Depending on the total amount of the purchase I am offered the option to defer interest payments for XXXX 'months. The balance is then tracked under the promotional balances. When I make a payment the payment is then divided amd credited to the promotional balances expiring within two months. In addition I sometime go into the best store and use my credit card to make purchases that do not qualify for defer interest payments. According to best buy this balance is called the revolving balance. Best Buy does not allow for payments to be allotted to the revolving balance and therefore forcing the customer to pay interest. Even though the total payments made after XXXX days of the last statement closing would be sufficient enough to cover the revolving balance and stop any interest being charged. Especially when the customer promotional balances do n't expire in the month that revolving balance interest be charged. On XXXX XXXX I made XXXX purchases in the amount of {$290.00}, and {$84.00}. I chose not to put these purchases under the deferred interest program because I knew that within XXXX days I would be paying the balance off in full for the purchases. I then made XXXX payments {$100.00}, {$120.00}, and {$160.00}. The total of these payments would have covered the entire revolving balance made on XXXX XXXX. Instead Best took my payments and applied them to promotional balances that are expiring XXXX/XXXX/15. Now I will be charged interest for my XXXX XXXX purchases when I have made payments to cover it and avoid interest. I called best buy about this and XXXX they stated that they could apply my payments to revolving but then he placed me on hold and came back to the phone and said that his supervisor said that it ca n't be done. This is unfair, if you are tracking the promotional and revolving payments, then you should also track and allow a customer to specify how payments are applied. Bestbuy is trying to force collecting interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No contract with the company, I disputed with the original creditor in the past and it was removed from my report due to a fraud account. My identity has been compromised and used for goods and services that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loans have been in forbearance or deferment status since I graduated in 2011 because they have not offered me a monthly payment amount that I can afford. I have tried to apply for income based multiple times, but they encouraged forbearance. Now the interest is almost up to the total I owe, around {$56000.00}. In looking at income based repayments, my total will go up over {$30000.00} just so I can afford a payment. My wife also has outstanding student loan payments and we can not afford hers and mine at this time. They have not been helpful and now I have a missed payment on my credit report because they did not enter a forbearance request in a timely manner. In addition to all this, my degree came from XXXX XXXX, which has now just down for improper practices and fraud. I believe they were working with XXXX XXXX to purposely make my loans default. 

XXXX XXXX XXXX XXXX IN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I spoke with TransUnion and my report updates from XXXX never took place or uploaded to TransUnion system. There is massive fraud in regards to my personal and professional information being reported by TransUnion. Name Alias, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XXXX I spent close to XXXX minutes reviewing the fraud and TransUnion was helpful to have me know that I will have a report shipped to my address. It looks like all XXXX credit agencies are not correlating information timely or have been able to do so due to this fraud. XXXX was supposed to clarify these matters with TransUnion, and the matter got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.

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 2021-08-10
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check from my husband 's account at another local bank on XX/XX/XXXX to my personal checking account at Wells Fargo. I deposited it thru the drive-thru teller who never mentioned a hold. My receipt says it will be " fully available on XX/XX/XXXX '' I assumed it would be a 2-day hold MAX. I check my account in a few days and it still had not been credited. Today, XX/XX/XXXX. I get a letter from Wells Fargo that it will be held until XX/XX/XXXX, a full 10-day hold, and to " refer to the maker of the check ''. If they would have noticed/read the cashier 's check, the REMITER is my husband, who is also the POD on my account. My husband also has several accounts with Wells Fargo. This is nothing short of a money grab by Wells Fargo to sit and use my money. What is the point of a local cashier 's check? The funds were removed immediately from my husbands account on the day he gave me the cashiers check ( XX/XX/XXXX ) as is standard/common/well-known practice,

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 2017-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is reporting negative information on my credit file that has not been validated. I have asked that they send me proof that I owe this debt and that has not happened. Proof such as a signed contract with my signature on it. I have no knowledge of this debt and I 'm demanding that this debt be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Cash central XXXX XXXX called me to collect a payment I defaulted on. I called company to take the payment out would not help he said I defaulted so now someone else was taking over my account transferred me asked the person for a payment arrangement of XXXX a month laughed at me and said it would take 5 years to pay this off. Very rude said that was n't enough and they ca n't help and would prosecute. I have to idea who this company is and sounds like they have doubled what i originally owe. They call and harass me on my phone fron New York XXXX both companies are very rude and ridicule you. Tried to make payment arrangement by me calling them but wo n't accept XXXX a month and that 's all I can afford.

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