BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: AL
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:
A request to remove incorrect late payments on XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-30
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I try to apply for a loan and they will not fix my profile so I can sign the loan documents.Customer service keeps hanging up.

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 2017-05-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
In  XXXX  of    2016  I moved from   XXXX   XXXX   to  XXXX   XXXX  and during the busy move missed my monthly payment. As a result, my account received a penalty APR that double d my original APR and raised my monthly payment substantially. I had made several charges related to the move and at first thought the subsequent increase in monthly payments was a reflection of the purchases charged to the account, when in actuality it was the result of the penalty APR that had been placed on my account. When I had learned it was due to a penalty APR I contacted American Express and told them why I had accidentally missed a payment, I was told they could not remove the penalty APR and I would have to wait for the APR to return to its original rate. Over the last 10 months that this penalty APR has been in effect it made paying my monthly bill difficult a  nd resulted in a late payment which apparentl y further extended the time my account would be subject to the penalty APR. I have called numerous times requesting the penalty APR be removed and have been told each time by the service representative they are unable to remove the penalty APR and I must wait. This is an unacceptable punishment for an accidental missed payment. Due to the high interest charged each month o nly a small percentage of my monthly payment is applied to my account 's overall principal balance, effectively keeping my balance at practically the same amount each month. I have been an American Express member for 9 years a nd this is a poor reflection on their commitment to helping their customers manage their debt effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
I recently completed my XXXX XXXX XXXX. While in school several things occurred. First, my federal unsubsidized loan was sold to Navient. Navient held this loan until the last semester before I graduated this fall in XX/XX/XXXX. I took off one semester ( Spring XXXX ) before I finished school. Navient immediately started billing me upon my separation without graduating for XX/XX/XXXX. Thinking that there should be some grace period and my spouse had been unemployed for a little over 2 years, I couldn't afford to pay them. I just held my breath and started paying them when he got a job in XXXX or XXXX of XXXX. I contacted them once and the representative totally ignored my grace period question and wanted me to set up a payment plan. As I explained, I don't need one since my husband is working. However, I am in no position to pay them thousands of dollars to bring this account current. Two concerns : If Navient considered my original separation from school grace 6 months, then why am I 90 days late once the grace period ends? Second question : I pay Navient one payment. Why are they reporting to the credit bureaus three different loans at 150 days late? They are purposefully doing everything in their power to do major damage to my credit. Last but not least, when I asked the US Dept of Education to review their reporting, they recognized the error and made it right. I am hoping and praying that someone can get Navient to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was given a credit card with 0 % apr for purchases made with the card which ends in  XXXX  of  XXXX . I was also given a 0 % pr for balance transfers that is good until  XXXX   XXXX . I used the card to purchased  XXXX  high end items totaling almo st 600  dollars that did n't work out and need to be returned. Once the items were returned discover credited the refund to by balance transfer amount and not my total purchase amount which in turn is making me pay an extra  XXXX  dollars toward my purchase balance that will need to be paid off by  XXXX  in order not to be charged interest. Honestly after trying to rectify the problem with discover with no avail I feel like this promotion is a scam to real customers in to make purchases and if for any reason you need to return the purchases you can but at a higher price to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 Commission and I also have enclosed copies of the Federal Trade Commissions 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 2018-01-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent letters to the three credit agencies ( XXXX, Experian, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.

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 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed

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 2022-03-20
Company: ALLY FINANCIAL INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a large amount of money deposited in my account from my unemployment, and ally bank closed my account for suspicion activity, I had over {$6000.00} deposit in my account, I called and they say it wasn't me .and it was and will not even return the money back to unemployment office either

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
TransUnion has several errors on their report. Not even the address is correct. When I brought this up to them they gave me instructions that were not possible to follow. I have no access to their investigation or the results and now they are ignoring me.

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 2018-04-26
Company: Bread Financial Holdings, Inc.
State: NC
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:
XXXX XXXX XXXX I do not this company this company did a credit report on me without my authorization I do not know this company I would like to have them remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my 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 2022-03-20
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have spoke with XXXX and told them at the moment I can put pay anything because I dont have the money at the moment to pay them. I told them once I have the money I will contact them. Now I see that they have proceed to collections. I was not told that. I was told someone will contact me to discuss the issue I have. The representative for enterprise gave me false information and now Im seeing that this amount is going to collections and its stressing me out. Why would they do that and not even tell me or warn me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In early XX/XX/XXXX I learned that there were questionable entries on my credit report after requesting a loan. At that time I requested my free annual credit report from all three bureaus by calling XXXX. In XX/XX/XXXX I received a report from XXXX, but not the others. On XX/XX/XXXX I again called the XXXX number to request my free annual credit report and did not receive them. On XX/XX/XXXX I called for the XXXX time requesting my free annual reports and as of today, XX/XX/XXXX I have not recieved a single free credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I spoke by phone with Experian, who ask for a re-investigation of the following hard inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX I placed a phone call to EXPERIAN at XXXX XXXX XXXX, on XX/XX/XXXX - I was told by XXXX XXXX team 'integrity ' that Experian will not due a re-investigation of unauthorized hard pull inquiries on my credit report. 

I then asked to be transferred to a supervisor. Initially, the supervisor did not identify himself, nor his team name. I asked him and he said " XXXX. '' After asking XXXX to repeat his team name, he Hung up on me, and ended the phone call. 

US CODE 15 STATES : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph I asked for a re-investigation of the 4 hard inquiries above, based on 'unauthorized ' inquires and Experian refused. Experian stated that he will only re-investigate hard inquiries if 'fraud in the form of someone else using your social security number ' The US law does not state this exception - the law states ANY item on the credit report. Therefore, Experian is blatantly disregarding the law and is REFUSING re-investigation.

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 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, Capital One XXXX has a price recommendation tool as a credit card perk. 

They explicitly, and loudly, tell you to WAIT FOR A BETTER PRICE or BUY NOW when purchasing flights. 

My flight was {$180.00}, and they told me it is expected to drop to {$110.00}. Instead, it increased all the way to {$480.00}. 

I called and asked them why their prediction was so far off. They said, This information recommended by the airline. 

That seems like a major conflict of interest. It is in the airlines best interest to get you to buy when prices are high. 

Furthermore, they offer a price guarantee that if they are off on their recommendation, they will refund you. However, this instills false confidence, as the fine print details that the guarantee only works up to a {$5.00} refund cap. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: World Acceptance Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have submitted numerous documentation to World Acceptance Corporation the first letter being submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including an the Notice of Irrevocable Estoppel by Acquiescence letter. I stated that I would be happy to pay if they would please provide validation and verification of their claim against me and to the date XX/XX/XXXX they have yet to provide me this documentation but they are still reporting this debt to XXXX credit bureaus which is a violation of the FDCPA and are still trying to collect on a debt that has yet to be validated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to go through a short sale for my home for loss of income. Since XX/XX/XXXX i have received nothing but the run around from Bank of America. My agent and I have spent months submitting repeated paperwork that they have asked for. I have a cash offer for my home. Only to have Bank of America switch their negotiators on my agent and I twice, also having to start from scratch. We are now with a third Bank of America negotiator, who continues to ask for the same paper work over and over. She will only contact my agent through email and will not return her or my calls. If their has been any miscommunication, it could have been easily handled with a simple phone call. We have no way of speaking to a supervisor even. My house as been up for auction 3 times and was cancelled. Most recently, the negotiator gave us until XXXX to resubmit corrected paperwork that had already been corrected and re-submitted by my agent but the negotiator claims to have not received. By XXXX XXXX on XXXX she had already emailed my agent a rejection letter via email, not giving us until the end of day. Between the repeated documentation, corrections, threats of foreclosure and no Bank of America supervisor to escalate to, this has been highly stressful and I feel Bank of America is unfair in their practices.

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 2021-04-20
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX- while professing one may update or add to their dispute process to is not true by their allowing. They continually disallow any and all forms of commentary deferring to the lender or limited selective criteria they have established. This creates a false narrative and false investigation. Also the time to resolve disputes is outrageous placing people in financial bondage while lender are allowed to merely claim they are still investigating and their responses CAN NEVER reflect accuracy because consumer comments are never recognized andvl that remains acceptable!

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 2017-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is loan that Bank of America should have dismiss because that what they me over 15 years ago. An it still show up on my credit report. It was during time period when the interest rate super seeded the loan on the card an their was no way I could keep up the principal rate an the loan got larger making me unable to pay. Back in 2006 it was to have drop.

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 2016-12-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a private student loan with Navient. I am currently unemployed and unable to afford full payments on my loan. I have contacted them four times to attempt to work with them to lower payments until I gain employment. Twice they told me I was eligible for a year of interest only payments, which I was willing pay, and then denied my requests. Next I was told I eligible for XXXX months of interest only payments and then they denied my request for that, they claim because they do not approve short term requests. Why offer me that option and then deny it because of the shortness of the time period, when it is the time period limitation they set. Finally I asked for an income driven lowering of my payments, and was told there were no options for that on my loan. I stated I would rather make partial payments then go into default/delinquency and I was told a partial payment would be treated as a non-payment and they would attempt to destroy my credit. I have great credit because I am responsible and pay my bills. They are making no genuine effort to help me pay off my debt and using predatory tactics to try attach further charges on my loan. They have sent me numerous emails stating they encourage me to work with them to lower payments and every time I contact them the end resolution is that they tell me I have no options. It is unfair that if I am willing to keep paying the monthly interest, which is almost half of the full payment, that they opt instead to try increase the total amount I owe by tacking on late fees and charges and threaten me with the destruction of my credit. I have been an excellent customer and are now using my financial hardship as opportunity to make more money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.

Company response to consumer: Closed with explanation