BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2020-06-10
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
OnXX/XX/2020 I made my payment of XXXX, statement XXXX and asked the XXXX yo close my ac. My pymt conf email however came to me on the XXXX but said in the body that my internet connection was on XX/XX/2020. I called about it. It affected my credit because I closed the ac. The bank however sent two more statements saying I owed and kept reporting on my credit affecting my credit of course. 
They then changed the closed ac to an ac with a cr limit and a lower amt they wanted me to pay. 
I paid the amt today to get them to go away. Will they now close the account AGAIN TO report a 2nd time to the credit bureaus? Can an account be closed twice because the bank is evil? I did not owe the amount I paid today of $ {$14.00}. But they kept generating amts and putting fictional cr limits to my name. I do not have a card since XX/XX/2020 Why is this bank doing this? Can they reopen a closed account and put a cr limit on it without my permission?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy several years ago and after going through 8 mos. XXXX with Citimortgage, they finally did a loan modification for me, after " losing, misplacing or throwing away '' the XXXX set of about XXXX pages of my financial info I had faxed to them. I have XXXX high interest credit cards & have been turned down twice for loans, one at my own bank. Two years ago I needed a new furnace & could not get financing for that : had to buy space heaters & it was a cold & very expensive winter. I got copies of my credit reports & find that my mortgage payments are not being reported, though I have made a real effort trying to rebuild my credit history & I believe every one of my mortgage payments since the modify have been on time or days early. I called the lawyer & he advised me that I would have to reopen the bankruptcy to change anything, though the papers clearly show I intended to retain my car and my house at the time. Citimortgage says I could re-do my loan to get them to start reporting. I am not paying anyone, courts or Citi any money for them to do what they should have been doing all along. They get my money every month as agreed ; I deserve to have it reported, retroactive back from when I redid my mortgage loan. I also requested a " simple '' list of all payments made to them since the modification & I have attached one example page of what they sent me. I need something similar to what it would show on a credit report-when it was due, when it was paid, not all my tax info, my interest info, etc. that is no one 's business but mine. They closed my complaint as if they had resolved this. I sent an email to the woman working on my case telling her basically " thanks for nothing '', that nothing was resolved and that the list of my payment history was totally unacceptable. I got another copy of payment history which was a bit clearer to read, but still gave way too much extra confusing and personal information about my mortgage. They just chose the lazy way out-something they could get out of a computer. The reason the one page from the bankruptcy that I attached looks weird is that something got spattered on the corner of the paper, so I tore if off & put another page of the bankruptcy under it at the top.before copying it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Lexis Nexis was hired bt XXXX XXXX to conduct a background check on our company, named below in XXXX. We completed the forms, submitted a lease agreement for a virtual office that makes rooms/offices available for a fee for private meetings that are held with doors closed for privacy. This setup is used by many professionals in the 21st century. Gone are the filing cabinets with rims of files. Cloud-based storage is the norm. 
As the letter/email shows, we were not given the approval nor given the reason why except to state that " a certain aspect of our business '' did not meet their unpublished requirements. 
Further, not knowing what the problem is, we can not correct it. There is an email given, we contacted the company through that and did not hear back. 
Tired of waiting, I called the company where I was told that they can not tell me why we were not approved, and the only thing to do is to re-apply and correct what " I think '' the problem is! 
The direct consequence of this denial : loss of revenue for our company because we can not market XXXX XXXX XXXX   products despite the fact the company itself has appointed me and my insurance Agents. 
We want to know what the reason for the denial is, and how to address it. 
THIS IS THE EMAIL WE RECEIVED ON XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX Thank you for your interest in LexisNexis. Based on our review of your application, we are unable to activate an account for your company. 
Our policy is to provide our business products and services in strict compliance with all applicable laws, rules and regulations, and only to organizations which can provide us with adequate information and assurances concerning their business and their intended use of our products and services. Unfortunately, there is an aspect of your business, and/or our understanding about your intended use of our services, that does not meet our requirements. 
We understand that you may have questions. However, due to internal security policies designed to protect the integrity of our credentialing procedures, we are unable to provide any additional details about the process. 
If you believe we have made an error, please send an email to : XXXX. 
Thank you, LexisNexis Credentialing Center

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Kriya Capital, LLC
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 status incorrect

Complaint:
This is an old debt, from when we had XXXX for internet. We switched from XXXX XXXX XXXX XXXX XXXX for internet, and XXXX continued to bill us for XXXX  months. They stated we never requested cancellation. I gave up fighting it, and accepted the collections status. 

The debt is from a few years ago, and has been sold at least twice that I know of to different reporting companies. It was just sold again, and they are currently reporting it as an OPEN account that was opened on XXXX of XXXX. 

This is NOT accurate. We last paid them in XXXX or XXXX of XXXX. This is XXXX year old debt, and should reflect that. 

The current report shows a balance {$160.00} from XXXX ( both are probably correct ) The date opened shows as XX/XX/XXXX ( VERY incorrect - Opened XXXX, XXXX and ended XXXX ) It also shows this as an 'OPEN ' account, when it has been through the hands of multiple collections agencies. 

The re-addition of this 'new ' date and status has tanked a credit score that I have been working very hard to rebuild. 

I have tried to dispute this with XXXX, but they said that they confirmed the information was valid. It is very much NOT. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been trying to lower my monthly payments for years and they kept giving me the runaround and nothing ever changed. I had to take off my automatic payments because my interest was so high. Ever since then they keep billing me every couple of weeks wanting me to pay again. I simply just wanted to pay my loans off at an affordable rate. I currently do n't make enough money to pay what they expect and yet my plan has remained the same. They say they are here to help but they are just sucking more money out of us and punishing us for getting a college degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Exeter Finance Corp.
State: GA
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:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Lending Club Corp
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notice that I am being sued for a debt with Lending Club, closed in 2016. I received a letter from their collection agency XXXX XXXX. I sent a letter disputing the debt dated XX/XX/XXXX. I NEVER received validation of this debt until I received the Summons from the court. I NEVER received ANY information regarding the original creditor from this company, NOR from the attorney 's. The collection agency and the Attorney 's XXXX XXXX XXXX, FAILED to follow the correct protocol before suing me for this debt with the Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
First college I attended was a scam like reported in news and media. Poor teaching, poor education, and poor internship. The was no high paying job as a clinical medical assistant as promised. Prospective jobs did not recognize the college. XXXX college credits did not transfer from this college they are worthless credits. XXXX closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both TransUnion and XXXX registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-13
Company: Credit Karma, LLC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
went online to check my credit score and saw that i had an account open with XXXX XXXX, i had never applied for that credit card.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: TX
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 early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both XXXX and Equifax registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated from XXXX in XXXX, Texas in XX/XX/XXXX. Around XX/XX/XXXX I called XXXX XXXX ( my loan carrier ) to find out the total payoff of my student loan. I told it was roughly {$21000.00}. So I paid the full balance. I believed I had paid my entire loan off and had XXXX balance. Eight years later XX/XX/XXXX, I started to receive loan bills from Navient. I contacted Navient to see what this was about and they told me that they had been doing me a favor. For the past 8 years instead of paying off my loan they had been holding my {$21000.00} in a separate account and paying off my loan in monthly payments without notifying me of this activity. Then they send me a letter stating that I only paid {$20000.00} and at the time I was quoted over {$30000.00} that I still owed. They spent {$21000.00} on monthly payment instead of paying off the entire loan and now with interest they tell me I owe an additional {$19000.00}. I never received monthly statements or anything until Navient tells me I owe them ( not XXXX XXXX ) an additional {$19000.00}. This is some kind of Ponzi scheme or extortion. Its also affecting my credit score. I paid off my entire student loan years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 following account have violated my rights XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fedloan Servicing was changing my repayment plan to an income contingent plan. During the filing process they let the loan become delinquent and reported it 60 days delinquent in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Bank of America. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Bank of America and it was rejected as " ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Bank of America. On XXXX XXXX, we received a letter from Bank of America indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Bank of America proved to us clearly shows the Shipping Address as " UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Bank of American or their associates does not have the right to come up with " bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Bank of America recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Bank of America is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt 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 monetary relief
Consumer complaint received 2020-06-10
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALL 3 " CRA '' REPORTING OUTDATED FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES ... '' CONVERGENT/ BELK XXXX XXXX XXXX, XXXX 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 2017-03-21
Company: Navient Solutions, LLC.
State: GA
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 took out {$13000.00} in student loans in XX/XX/XXXX. I have added up all of my payments over the life of the loan ( XX/XX/XXXX - XX/XX/XXXX ), and I have paid more than {$24000.00}. The loans were transferred to Navient in XX/XX/XXXX, and now with fees and interest, they are claiming that I still owe over {$42000.00}. Their records only go back to XX/XX/XXXX ; they do not show any records from the time I took out the loans, so the bulk of my payments are not on their records. I have paid off my debt, but Navient keeps charging me fees and interest. I do n't know how to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Media Collections, Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.

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