BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX out my car. My car was broken into XXXX in XXXX North Carolina XXXX I have sent a copy of my police report to Trans union, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name 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.. Please delete all Fraudulent 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 2016-05-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I cosigned this loan for my son several years ago. At the time of the loan I was told that if consistent on-time payments were made over a two year period I could have my name removed from the loan. For the past XXXX years consistent on-time automatic payments have been made but Navient refuses to remove me from the loan, due to an unrelated account my son has that is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: AES/PHEAA
State: ME
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:
Hello, The company that is servicing my daughter 's student loans is Pennsylvania Higher Education Assistance Agency. My daughter has written to them multiple times to request the extra money that she is paying every month ( {$50.00} ) be applied to the loan with the highest interest rate. Month after month the company has some story about why it can not happen. The extra payment is being spread over all XXXX loans, and the lowest amount of the repayment is being applied to the loan with the highest interest rate. 
Is there anything that can be done about this issue? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: Navient Solutions, LLC.
State: KS
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 XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Penn Credit Corporation, trying to collect a debt from XXXX XXXX in Texas, where my social security number appears. The debt does not belong to me, because another name appears that is not mine, and on the other hand I do not live in the state of Texas. The company was called and they indicate that the service was used for 16 days. The company XXXX XXXX is charging the amount of {$96.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for a refinance of my Loancare mortgage loan in late XX/XX/XXXX. I was told that because of a previous bankruptcy, and that my mortgage payment history does not report to the credit bureaus I'd have to get a history from Loancare. I went on line and printed the 24 month payment history, knowing that I never missed a payment. When I presented it to my loan officer he told me that the history showed that my XX/XX/XXXX to my XX/XX/XXXX payments were all made on XX/XX/XXXX, and that I could not get the loan. I spent the next 2 months trying to get Loancare to explian ( in writing ) why they held those 5 payments until they creditied them on XX/XX/XXXX, and to correct the payment history so that I can get my loan ; they either sent me the same payment histroy or provided me with a 12 month history ( which does not cover the time period in question ). On XX/XX/XXXX, I contacted Loancare and sent a Qualified Written Request, asking for a satisfactory response by today or I would take this step.

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 2015-06-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had an exon/mobile gas card since XXXX. I have never missed a single payment. 
In XXXX of XXXX I asked exxon mobile if they could raise the credit limit on my exxon mobile gas card. They said no. 
In XXXX of XXXX they sent me a new " smart card '' ( expires XXXX ) and my old card stopped working. 
Today, ( XXXX XXXX XXXX ), I tried to buy gas with my mew smart card and it was declined. I called exxon mobile and they told me it was cancelled because of inactivity and that I would now have to apply for a new card. 
I was given zero notice of this until I was sitting at a gas station unable to buy gas. 
by lowering my available credit this hurts my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am concerned because i only owed XXXX on my care credit and out of nowhere they raised that I now owe XXXX I understand that there was a promotion for a year and that the year is up. But why are they charging me XXXX more to my new balance instead of now charging me interest fees? As my understanding they should charge interest now that the promotion is over but why add XXXX to the balance? As well as I was paying XXXX dollars interest every month before the promotion was over.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  XXXX. Also filing a dispute for identified inquiries on my credit report as well for the following : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX and XXXX. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2017-03-07
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received the attached letter dated XXXX XXXX, 2017 from Jefferson Capital Systems , LLC advising I owe XXXX {$780.00} and they will accept {$310.00}. I have no idea from this debt arises and this is a third-party vendor attempting to collect a debt. I believe it is invalid due to the Fair Consumer Protection Act and the Federal Trade Commissions ordinances and laws to protect consumes from such predators.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2015 I ordered a XXXX for a XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX. ( I was the first person to order this kit according to XXXX Customer Relations person-XXXX ) The product arrived and I gave it to the mechanic to install. It did n't fit so I reported it to XXXX who directed me to their supplier ( XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ) who replaced part of the XXXX that did n't fit because it was too large. While speaking with XXXX they told me they had never tried to actually install the kit on the car it was advertised for. The XXXX set of parts did n't fit either so I contacted my credit card company CITI Bank XXXX # XXXX telling them I did n't want to pay the bill until the problem was resolved. They agreed for a month after which time I received a letter ( XX/XX/XXXX ) saying the creditor -- XXXX had refused to extend the payment. I wrote a letter explaining the situation but CITI Bank wrote back threatening to turn me in to XXXX credit bureaus as delinquent on the account. I paid the {$1100.00} to CITI Bank in order to prevent being reported for bad credit in spite of the fact that the issue has never been resolved. Currently the XXXX set of XXXX products has been returned to XXXX for analysis. In the meantime I have spent XXXX of dollars on mechanics trying to fix my car. A fair resolution would be some sort of sanction on CITI Bank since they refused to place any merit on my side of the dispute. Also, I expect XXXX to reimburse part of my labor costs since they sold a defective product ( They have now stopped offering it ) that had never been tested on the car they sold it for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: FL
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:
Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-03-20
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Tek Collect has not contacted me prior to closing placing this negative item on my credit reporting. They are reporting late payments for current months when there was no payment plan established. They have also have still not verified the account. My supporting evidence was mailed out more than 60 days ago with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Army and Air Force Exchange Service
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a military star card with an unknown minimum payment. This account has been open since XXXX of XXXX. I pay the full, or at least half of the statement balance each month through the mobile app. A late payment remark was put on my credit report in XXXX of XXXX. Im positive I payed on time and believe it was an issue with the mobile app processing my payment slowly.

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 2021-05-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This person tells that he calling to collect a debt of {$400.00} that I don't even recognize. He calls about ever three weeks. XXXX XXXX XXXX called today XXXX XXXX.I don't remember that dates that this person calls. I want these phone scams to stop it is very annoying. He ask me if I live at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account : XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX 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 explanation
Consumer complaint received 2018-02-22
Company: Westlake Services, LLC
State: MO
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:
Looking at my report there's fraudulent unknown inquires on my credit report mostly on the date of XXXX, 2017, and others

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my last two payments that were made via XXXX XXXX have not been posted by Ocwen loan processing, yet XXXX XXXX shows they hasve received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CREDIT ACCEPTANCE CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company is violating my privacy by reporting late payments to the credit bureaus. In XXXX I submitted a complaint to the company about the vehicle, I have drove this vehicle a handful of times. The transmission went 3 times and then the engine. I no longer have their vehicle as it was junked. I never signed MY SIGNATURE on any documents! I have tried to contact the company several times to remove any late payments and lower the amount but instead the only care about adding on fees and charging more money on to the loan. A car that was worth XXXX is now up to XXXX. During XXXX the CARES ACT was provided no company was to report or add on to bills and this company was still adding on late fees and reporting late payments to the credit bureaus when I was not even working and sick. Ive tried to come to SEVERAL AGREEMENTS with the company and so they care about is the vehicle! Im ready to take legal action now because now this has been over 6 years and still adding interest and I have been trying to make payments and yet they do NOTHING to work with people!!!!! I will no longer pay and I will have my attorney fix it unless they are willing to send in to the credit bureaus a letter to fix late payments!!!

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 2020-06-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2020 I purchased three airline tickets from XXXX XXXX. On XX/XX/XXXX I called back and canceled. I then contacted Chase credit card company, and reported what had happened. The reason for the cancellations given was " due to the COVID-19. The credit card company then proceeded to credit back to my card the amount of the purchase, which were for a total of three credits. 
One month or so later, I received what they termed a Rebill followed by some numbers, and XXXX XXXX. When I contacted XXXX XXXX, they stated to me that they were unaware of said charge. I waited while the agent double-checked and again he said " no there's no such charge ''. That I should contact my credit card company. Chase later explained to me that my card was debited three times, but credited four times. So, I said if there was an excess credit, why don't you just debit the card, and we're even, since I did not receive any goods or service. This should only be an accounting entry, and we're even. The lady went on and on about how I got an extra credit, and therefore I owe the amount of the airline ticket {$1400.00}, which I subsequently paid. But I think there is a trick, somehow. Because I ended up paying for something I got no benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a loan taken out to help with school from Citibank. The loan went into charge off status XX/XX/XXXX. XX/XX/XXXX Citibank reported to the Credit Bureaus that I made a payment. Then XX/XX/XXXX, they reported that I missed a payment. I have not made a payment to Citibank since the account has been in charge off status XX/XX/XXXX. I tried to contact them but they do n't have a contact number, just a fax number. I faxed them and ask them to update the information. Instead of them updating it correctly, they reported to the credit bureaus that my account went into charge off status XX/XX/XXXX and then fraudulently reported that I have been making payment since then. Then fraudulently reported that my account went into charge off status again XX/XX/XXXX. As you can see in the supporting documentation XXXX, they are reporting that I have been making payment since XX/XX/XXXX, but at the bottom where it says " account history '', it says " DPR ', which mean date payment received, they report " ND ', which means no data. You absolutely right there is n't no data because there never was any payment made. When I call Citibank customer service, they also verify that I have not been making any payments but since they are not the credit dispute department of Citibank they ca n't help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Rewards

Complaint:
I have had the Citi XXXX XXXX XXXX Card for a few years. I have usually received the XXXX XXXX Certificate a few weeks after my account anniversary for spending {$10000.00} or more on this account. My anniversary was XXXX 2015. I still have n't received the certificate, despite the fact that I made the minimum spend this year ( the website confirms this ). When I called the customer service, I was given a big run-around. When I messaged them via secure message, I was also given a very vague response with a response to the effect that I just might hear something from them in 7-10 days. I find this to be breach of contract, more specifically, non-delivery of what we agreed to receive when I signed up for this credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation