BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: NV
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:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.

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 2022-07-08
Company: EQUIFAX, INC.
State: NV
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:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was struggling to pay my student loans with Navient. I paid two payments to Navient with one being {$260.00} a month. I applied for some different repayment plans through Navient onXX/XX/XXXX I received a quote for a much lower payment plan and put in an application. On XX/XX/XXXX I got a bill for {$360.00} a month. I never signed anything agreeing to a new cost nor did I confirm I wanted that new monthly payment. Navient was incredibly vague and purposefully confusing on the phone. Navient said that the quote I received online is just an estimate and actual payments would vary. I asked why I was n't able to approve this change before they asked for higher monthly payments and never received a direct answer. I am baffled at the fact that I put in an application to lower my payments and they raised my payment without permission. had to spend a month trying to get my monthly payment back down closer to what it was. I got it down to {$280.00} a month and had to accept that was the best I was going to get.
I also received a correspondence saying : Unpaid principal balance {$40000.00} Unpaid interest to be added to the principal {$0.00} Estimated interest over the life of the loan {$44000.00} Estimated total loan amount {$85000.00} The fact that I will end up paying twice the amount of my loans by the time I finish my payment schedule is appalling, and I have two batches of loans with Navient.
I have been on forbearance several times but was never told about income-driven plans. I have missed important updates such as late fees and missed payments from previous ordeal due to Navient 's vague wording during communication and voicemails. These struggles are just the beginning of the issues I have had with Navient.
I still struggle to pay my student loans and now i 'm afraid to try to lower my bill again due to the sneaky way they raised my bill. Since then I have defaulted on my loans and we had to take out a home equity loan to pay our student loans. We hope to pursue legal action against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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 status incorrect

Complaint:
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 2022-07-08
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom was to send money from my escrow to my new insurance company. The insurance sent a bill at the beginning of XXXX. I followed up at the end of XXXX and they hadnt sent the money which they promised to do. I followed up again today and still no payment. I also sent the refund from my old insurance and in the memo on the check said it was for escrow. They put it towards the principal. I called and asked them to fix it. They said they would. They only put {$140.00} of {$4500.00} in the escrow. I called again today. They again said they will. They are terrible. I want resolution of my problems without having to call them 5 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: JPMORGAN CHASE & CO.
State: AZ
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:
This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding chase billing dispute and false statements report to credit bureaus and to CFPB. Chase stated to CFPB THAT my slate account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to XXXX  stating that the slate account could not have been sold to XXXX in XXXX cause on my XXXX report XXXX XX/XX/XXXX the slate account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent chase XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to XXXX that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's Chase Freedom Card but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to Chase where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with disabilities act also. They have sent different letters with different facts that are completely false and they know it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Byrider Franchising, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I've been ripped off by a dealer car located in XXXX, being a female my first-time car buying experience, knowing little about purchasing a vehicle I was fully taking advantage of. The seller Knew it. The whole thing was one week before I purchased the ca, I had someone go with me to a dealer car in XXXX Massachusetts, for two reasons, the first one was because I can barely speak English and also to helped me chose a reliable car, The seller asked us which car we would like to buy, my friend told me to get a blacXXXX XXXX it was a nice black XXXX, because he knows I love big cars or SUV I dont like small cars, I would never financing a car that I dont like over my own money that Im working hard for. If I didnt feel force to. my friend asked the seller how much the Black XXXX car cost, his answer was {$15000.00}. So the next thing was the give him my 2 previous paychecks unfortunately I didnt bring them with me, as a result for the day, the seller asked us when I get my 2 preview paychecks we can come back to fill out some paperwork, couple days after when I came back I was alone, just after he filled out some paperwork in his computer, The seller decided which car he wanted to give me, he told me that I wasnt qualified for the XXXX car, due the fact I dont have a good credit he made me believe that I cant decide which car I want to buy. I was so naive I believed him. Now Ill have to spend more than three times the cars value a XXXX XXXX  for {$17000.00} in total Ill have to spend up to {$25.00}, {$220.00} biweekly. I am a victim by automobile dealer fraud this is incredibly stressful and frustrating situation. Just one month the car XXXX the car begane making strange noises and driving funny to where its not safe to drive. I contacted the seller of the car about the issues I was having, I have wanted to return the car, because I didnt want to deal with it. He didnt want to take the car back. But He told me to take it to the shop to have it looked at it, The mechanic man told me the car has an engine problm and XXXX  Pipe issue they need a week onto get it fixed. After 7 days they told me the car was ready to Picked up, I Cant tell if it still have engine light issue, but the never got ride of the big noise.Ever since Ive been going through deep XXXX. I cant do this anymore. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiry : XX/XX/2017 XXXX XXXX XXXX, CA 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 2017-09-26
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiry XX/XX/2017 XXXX XXXX, CA 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 2018-10-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 I purchased a ticket for my brother on XXXX XXXX. There was a problem with the way he was treated, I told AmEx, they CREDITED my account the full amount of {$810.00}. 

XXXX XXXX is not accepting that. I told AmEx that XXXX XXXX is not accepting that. AmEx told ME to tell XXXX XXXX to contact AmEx. I did tell XXXX XXXX that and they said that AmEx always sides with their customers and I am still responsible for the full amount of of {$810.00} Every morning at XXXX XXXX I get a computerized call because this bill is not unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: JPMORGAN CHASE & CO.
State: NC
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:
I applied for the Chase Freedom Card and Chase Sapphire Preferred Card on XX/XX/2018 and both of them have been approved on XX/XX/2018. However, on XX/XX/2018, someone from Chase called me, said that they could not approve 2 credit cards. The previous approvement was a mistake. So they closed the Chase Sapphire Preferred Card on XX/XX/2018. However, today I checked my credit report, finding that the Chase Sapphire Preferred Card is shown in my credit report and its status is closed. Since I never used this card, and never activated it, I think the Chase Sapphire Preferred Card should not be in my credit report. Today I called Chase 's customer service, and they told me that they could do remove the card from my credit report. I think it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX  XXXX, and XXXX XXXX   requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Unauthorized / Fraudulent Inquiries : XXXX 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 non-monetary relief
Consumer complaint received 2017-08-18
Company: PDQ Services, 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:
PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account.
5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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: Account status incorrect

Complaint:
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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:
regarding account : XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items/ are unknown to me.I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX AV XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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