BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent out a dispute letter to the credit bureaus requesting them to correct the status of my payment history. They have not responded to my request in this matter or provided any reason for there not to be a change.

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 2016-03-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have XXXX negative marks against my credit from equifax credit reporting agency. XXXX is a public record from a company that closed and I never use before. I disputed and proved it was n't mines and XXXX and XXXX took it off immediately but equifax refuse to remove it even after its been proven it 's not mines. And a new collections just popped up only on my credit report that 's not mines and the refuse to provide me or equifax proof I owe it and equifax refuse to remove it off my credit report. Another company XXXX keeps saying I owe them with no proof of a signed contract. XXXX deletes it but equifax wo n't deleted at all even after proving I did n't owe the debt. Something has to be done. I 'm ready to sue equifax for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I recently opened American Express credit card because they had a promotional offer of {$200.00} statement credit if {$1000.00} is spent during the first 90 days. I followed the rules and spent over {$1300.00} within the first 90 days. I recently came to find out that, after they made me spend over {$1000.00}, they denied me to give me the {$200.00} statement credit they promised me. I even remember chatting with one of their representatives on XX/XX/2021 asking him or her when I will get my {$200.00} statement credit and I was advised within 8-12 weeks of spending the {$1000.00} within 90 days. When I was chatting with the representative, I spent about {$600.00}. So, I wasn't there yet. So, I thanked him or her and continued putting charges on my credit card. Why are they making customers sign up by offering a promotion but then deny the statement credit after customer spends whatever amount they were required to spend? I will include my chat conversation with the American Express representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 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 non-monetary relief
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
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:
My loans are consolidated with Navient. I was on an income-based repayment plan and was given paperwork that informed me if I did not annually sign up by competing the paperwork for the income based plan, that I would be automatically switched to a standard 10 year repayment plan. After a year, I contacted Navient and was told I was still on the income based plan even though I had not completed the paperwork in almost 2 years. I asked to switch to the standard repayment plan and was asked " well how much do you want to pay? '' and I had to then calculate how much I 'd like to pay monthly in order to pay my loans off in 10 years. In the last year alone, I 've put almost XXXX in to my loans in order to get out from under the crushing debt and 6.375 % interest rate. I could basically own a second home with how much I pay for getting a XXXX XXXX XXXX in order to XXXX ( where a XXXX XXXX XXXX is the bare minimum to be able to obtain a XXXX ). This company does not care about student well-being or even doing their job to assist us. They prey on young people with a poor understanding of their loan practices and then exploit them as much as possible. My story is just one, but I hear from friends all the time of similar situations where they were uninformed or taken advantage of by organizations that claim to help us manage the insane debt issued easily to us by the government. I will be following the Navient lawsuit and hope to see some compensation for myself, a hard-working XXXX year old with my XXXX child on the way who completed her XXXX and XXXX education as quickly as possible and found a job immediately after XXXX, and who has put her life on hold for 5 years while most of her income is given to companies who take home enourmous yearly salaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Describe what happened so we can understand the issue ... 
A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been getting calls from these people over a debt that they refuse to provide any documentation that I owe, over the last 2 weeks. They supposed that I took out a payday loan when I lived at an address that has not been my address in about 12 years. I asked for the name of the lender and was given a list of possibilities. Upon calling all of them they told me that was completely inaccurate and not to pay these people. 
I asked for them to go ahead and send their documents, I have no issues debating this in court as their practices were completely inappropriate. They told me I would be arrested today. This is unacceptable. I have no company name even. The phone numbers I have are ( XXXX  ) XXXX-XXXX  & ( XXXX  ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
we have owned our home for several years. We have been good about not using too much of our equity but we did take out a HELOC on our home. This HELOC now is foreclosing on us. We have applied to keep our home several times, last time being XX/XX/XXXX. My file was closed XX/XX/XXXX due to being incomplete. I have sent everything to ChASE everything they ask for, they would say that they never receive my faxes, give me other faxes and now I am losing my home because of this problem. I was told that my package was complete I thought I was under review, months later when my documents expire CHASE just asked me to resend the package again, over XXXX pages over and over. This is because they never review what I send them, they wait until it expires to ask for more- and now instead of helping me keep my home they wish to foreclose and evict me. I have even tried to do a short sale for HAFA and they are giving my agent the same problems with the fax, they resend things over and over but never can get CHASE to ackn receipt. I do not know what else to do- I often request to speak with a XXXX speaking representative but chase just assigns me to people that only speaka XXXX, I did not understand that I was supposed to resend everything again because it is old now. instead i get a denial

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE

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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: FIRST NATIONAL BANK OF OMAHA
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, HI. XXXX, XXXX XXXX Re : My A/C # XXXXDear Sir, I am sorry for not responding earlier to your XXXX fictitious credit card bill charges of XX/XX/XXXX and XXXX 2015 as I was medically incapacitated. I had XXXX XXXX in XX/XX/XXXX and was XXXX for a week in XXXX for XXXX. 
The XX/XX/XXXX statement shows a {$12.00} charge for an XXXX XXXX. The XX/XX/XXXX statement shows the very same charge again of {$12.00} for XXXX XXXX. Added to that is an interest charge of {$1.00} for a total due balance of {$27.00}. 
I did not incur these XXXX debts and have never purchased anything for {$12.00}. This is the handy work of the criminal enterprise known as XXXX. As its credit card company, you are also now its accomplice. The only XXXX items that I purchased at separate times recently were XXXX generic stereo earphones. XXXX was on sale for {$6.00} and the other was on sale for {$4.00}. I paid for these XXXX items with my accumulated " XXXX Super points ''. I currently have have a total of XXXX or {$24.00} left. Now, please tell me why I would chose to pay for these XXXX items via my credit card when I have the Super points to use? Which idiot would do that? But XXXX has devised a way to double dip for the same purchased item : Once via the Super points at the sale price and once again via the credit card at its full undiscounted price which I presume was {$12.00}. 
Please allow me to tell you how they get to XXXX from their customers twice : once from deducting the purchase price from your Super Points and again by sending a bill to the credit card company for the full undiscounted price for the same item. XXXX has devised a very clever way to achieve that : When you purchase an item intended to be paid with the Super Points, the " Payment Option Page '' prior to check out does not include the option to pay with your Super Points as a payment option. Imagine that. But in order to proceed to checkout, you must give them a credit card number, including the " secret number '' on the back of the card. When I emailed XXXX asking them why do you need my credit card number since I intend to use my Super points, they answered that it 's for security reasons. What security is that? They know exactly how many Super Points I have and whether I can pay for the merchandise via this method. Only at the very last page of the " check out " process, there is a small window at the very bottom to indicate payment with Super Points. They then deduct the discounted purchase price from your Super points and simultaneously send a bill to XXXX card company for the full " undiscounted price '' of the item. This is the most blatant type of fraud and thievery. 
I am requesting, in closing, that you reverse the charges totaling {$27.00} and send me a statement reflecting a zero balance due. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: LENDER LIVE
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have reported Navient in the past. This week my student loans ( both Federal and Private ) with Navient have come up due for payment as my deferment/forbearances just expired. They start calling at XXXX XXXX  and continue to call every 30 minutes from different numbers in an auto redial fashion. I am at work at a XXXX and my job can not be interrupted repeatedly every day in this manner. They are not even leaving a voice mail just continuously calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: GREAT LAKES
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: Account status incorrect

Complaint:
XXXX , Dept of Ed/ XXXX ,   XXXX   Univ   XXXX   XXXX  , and   XXXX   XXXX   XXXX   have been on my r eport original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since    2010. They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since 2010 and they put letters in later that are not clear that do not make sense since I did not pay anything 2010 u ntil recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  XXXX  and  Consolidated  by    XXXX   XXXX   XXXX    in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  XXXX  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached    XXXX   XXXX   XXXX   p aid off all loans in excellent conditio n ) ( See   XXXX   XXXX   XXXX   lette r states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-09
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a payday loan in the amount of {$800.00} during the pandemic last year & fell behind on the payments. I let Check N Go know that I had just lost my income & needed to setup a payment extension on the amount, but they told me they needed full payment. I explained that due to COVID that I was waiting to get unemployment & they wouldnt halt collections efforts on the account. They sold the debt & the Third Party is wanting {$1700.00} to remove the debt from my credit report

Company response to consumer: Closed with explanation