BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: Navient Solutions, LLC.
State: NY
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:
Hello CFPB,  XXXX   XXXX   2017 I called Navient 's cu stomer service to ask for an amortization schedule because I noticed how all my extra payments were not being allocated to the principal. They immediately denied me saying " we do n't give amortization schedules on private loans because the interest accrues daily and it varies. '' I then asked them why my l ast three mo nths worth of extra payments were not going to the principle like they previously told me they would ( i.e. paying extra money only on the due date goes to the principal ). She never gave me a reason. She just kept saying every month is different because of the daily interest. I then posed this month  's (   XXXX   ) s cenario : My monthly amount on my loans this month was around {$800.00} and I paid {$2000.00} and it was due and paid on  XXXX   XXXX . Only {$700.00} went to the principal and {$1200.00} went to the interest. Why is the bulk of my payment going to my interest if I paid well over the {$800.00} that month? Again, she/Navient said because of the payment advance made in  XXXX  it lowered the principal payment for  XXXX . However, they do n't bill " future interest  '' ( a t erm I had never even heard before, who bills future interest? ) so they/Navient said there we re ( hidden  ) interest fees that were due for  XXXX  and that is why it went to interest. I then asked ... what is your ideal option for paying down the principal since paying on the due date obviously does not work. To that she replied, set up a automatic payment plan so it is taken out every month on the due date. With all my power, I tried to calmly reply " that is what I have been doing and you still do n't apply it to the principal! ".     On top of all this deception, they do n't even post the amount due as a record to be compared against your payment history. They only show the amount you paid and the allocations to principal and interest. This company is scum and it has to stop! I have never defaulted on any loans and I do my best to pay extra ever single month on the exact day it is due and they continue to con me! We are damned if we do and damned if we do n't. I have a perf ect credit score that i s the only reason I have n't slacked off in spite of their foolery.     PLEASE PLEASE HELP!!!      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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, XXXX and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and 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 2021-03-23
Company: Santander Consumer USA Holdings Inc.
State: NC
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 eligible for payment from the Santander multi state settlement due to unfair business practices and also paid off the account I had with Santander. I received written correspondence from both the Attorney General regarding the payment that is due to me as well as a letter from Santander that states my debt was settled and paid in full. I have contacted XXXX, and XXXX  several times providing this proof, however they refuse to correct my credit report and it is negatively impacting my credit worthiness. I have attached copies of the documents provided to all three credit bureaus and demand that my credit report be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: MI
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 account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Amex suddenly closed my account without any reasons. I paid annual membership fee but they would not even refund it after they canceled my account. I need to know why they cancel my account, and whether they can reinstate my account. If not, please refund the annual membership fee I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020 I sent 2 dispute letters each to XXXX, XXXX, & TransUnion. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus

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 2022-04-11
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: IN
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:
I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( twice )XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The last two hard inquiries I do not recognize at all.

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 2023-07-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint is regarding mortgage fraud. My name was added to a mortgage filed XX/XX/XXXX. My initials and signature were forged on the document. The notary unethically stamped the document. I never met the notary that stamped and notarized the mortgage. 
On XX/XX/XXXX I was served a summons by XXXX XXXX. The summons requested my response because it stated that I was listed on the mortgage. The attached documentation shows that my name was typed on a mortgage for a property that belonged to my mother in XXXX, Florida. It seems as she was modifying the mortgage on her home and she forged my name/initials on the mortgage. She was a XXXX XXXX and had made connections with people in the industry. I have never met the notary that notarized the mortgage document The notary and my mother committed mortgage fraud. The mortgage was date XX/XX/XXXX ans secures the note that my mother signed on XX/XX/XXXX for {$170000.00}. 
My mother did ask me to be placed on the deed of her home in XXXX, FL back in XXXX which I agreed to because she said it was for estate planning purposes. However, after a few years I asked her to remove my name from the deed because she was planning on leaving the home to her son. 
My mother died in XX/XX/XXXX and willed the home in XXXX Florida to her son. He took ownership of the property but decided to go into foreclosure. Due to the foreclosure process is how i came to find out about the mortgage fraud. Since my name was not forged on the note this information never came up on my credit reports. 
The summons names me and my spouse as responsible parties and I am seeking legal counsel to help us clear our names. I never had any interest in this home nor do I seek to have any interest int his home. I just want help getting justice for this criminal act. I work for the securities industry and can not have a foreclosure attached to my name. My husband is also an innocent victim ion all of this. Any help you could provide us would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2016-02-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I bought over {$1000.00} from Rooms to Go in XXXX XXXX from the store near XXXX in XXXX, TX. I called last month in XXXX XXXX to make a payment as I did not receive an invoice for my purchase. It appears Syncrony Bank is the credit card company I received financing from when making the purchase. I called Syncrony Bank to get a copy of my statemen, pay my bill and set up auto pay. They found my account with my social security. I was able to make my first payment but they would not provide me with my account number or help me set up an auto pay so my bills would not be late. Per the representative my address was incorrect and she had changed it that day. My job requires I deploy for extensive periods of time and I would not be home to get the next bill and pay on time. I explained this to the representative and a supervisor advising I could pay more to give an advance to next months payment but they refused to help. I came home for a week today and do not see a statement from Rooms to Go or Synchrony Bank. Concerned and upset, I called Syncrony Bank again ( XXXX/XXXX/XXXX ). I spoke to XXXX ( XXXX ) and explained I had n't received a bill for a purchase on XXXX XXXX. He showed no empathy or concern. Once again I got the run around that my address was incorrect. Again I paid- now my late bill- and was not allowed to collect my account number or set up auto pay. I was transferred to XXXX who could care less about my concern and stated she only sees the address change today. Basically stating I had lied about calling in before and changing it the first time. It 's almost three months and I have yet to review my first bill. Please audit this company as I 'm sure I am not the only one going through this type of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent debt validation letters off and never received a response nor has invoice been paid for violations.

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 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had credit issued to this card from XXXX XXXX on XXXX for XXXX payment identifier XXXX ending XXXX Invoice # XXXX and on XXXX credit for order # XXXX {$64.00} + {$85.00} XXXX XXXX  # XXXX. My card ends in XXXX. Today is XXXX and the credits are still not showing up on my account. This has been 2 statements.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
TransUnion AND XXXX has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of Ed/XXXX  Dept of EdXXXX US Dept of Ed

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 2020-03-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with non-monetary relief