BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account 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 2021-09-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Due to the Pandemic I became Unemployed and Filed Bankruptcy ... I wasn't able to make payments to my student loans and I tried to contact Navient to settle it but no response instead they're reporting late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went on line to check my credit. I received reports from XXXX and XXXX. When I tried to access Equifax INC. they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XXXX AND XX/XX/2019 FOR MY XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have contacted Zales/Comenity Bank several times on their unfair credit practices. As explained before I did not sign a contract which stated I would have 18 months interest free deferred. I was told by my the sales person I had free interest for 18 months, otherwise I would not have purchased a XXXX ring from this company. My ending balance with the company when the 18 months were over was XXXX when the " promotion '' ( XXXX didnt agree on ) was over by new balance was nearly XXXX once again. I have attempted to fix this with the company for over a year. They attempted to fix it last month but refused to correct the balance. I have attempted to fix this issue with the bank for over a year now. I would like for them to do the right thing and correct it to the original balance of XXXX, I will gladly make payments and pay interest on the corrected balance. I would also like to see the contract " I signed. '' I never signed this promotion nor did I receive a copy. If not then I will have to seek professional advice. I made payments while they were fixing the issue in good faith, only to be given the uncorrected balance once again. I have stopped making payments once again due to the unfair credit practices the company is practicing I do not agree with the balance they are reporting nor did I sign this contract. I made payments on time every month always above the minimum balance. I have been an excellent consumer to the company, until the issue came about and they refused to clarify or fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-01-26
Company: FREEDOM FINANCIAL NETWORK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am currently dealing with Freedom Debt Relief for 12 debts. 

1 ) 4 have been currently paid off ( I think ) 2 ) 4 have been settled agreements and are being paid ( I think ) 3 ) 4 more to settle. 

Freedom Debt Relief will not provide me documents stating which have been paid off and which are being currently paid off. I have zero idea if anything has been officially paid or if anything is currently being paid. 
I'm looking for a simple statement of such. 
They do have some kind of dashboard for me to view but nothing simple stating actions and finalities. 
*If I ever walked into court I believe a judge would laugh me out of there.I have no clear statements of settlements either final or ongoing. 
*I made it clear to them that oral conversations are not acceptable anymore and I want everything in writing, for I get different responses when I ask questions. 

In addition they settled an account a few weeks ago but I didnt accept it, I'm looking to see if they are going to charge me fees for it which our agreement states that they Can Not unless I agree to settlement. 

Theres more concerns to this company as well, but I need to start somewhere.Again, I try and speak with them but feel very misled when I do. 
Hope you can help me along and truly appreciate you being there for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
According to Federal Law, XXXX is legal. I opened an online business. I used Square as my vehicle of payment. After 2 sales totaling {$950.00}, they deactivated my account saying it was a high risk business. I understand, XXXX is still misunderstood, but it helps millions of people deal with pain & anxiety. So I am passionate about helping people feel better. If Square doesn't understand that it is legal, that it is NOT trying to hurt the public ( quite the opposite ) & they consider it high risk, fine. But don't keep my money for 3 months with NO resolve ability. It is impossible to reach them. OH yes, sales you get a human. Anything involving a deactivated account, they tell you to look at the first email. I called their numbers ( 3 of them ) on 5 different occasions over the past 2 months, all lead you to nowhere but frustration. That email tells you to go to their help online. Help online tells you to go to the email. 
Contacted the sales rep I bought it from on XX/XX/XXXX. When deactivated, I sent him an email on XX/XX/XXXX. No response. I called him on XX/XX/10, XXXX. No call back. I am beyond words. 

On XX/XX/XXXX, XXXX XXXX attempted to transfer to my XXXX XXXX account. On XX/XX/XXXX, XXXX XXXX said that XXXX XXXX put a hold on it. I have the documentation. 

After months of frustration ... I am putting in a complaint. This is just not right. I did searches on XXXX. Thousands of others are complaining, many attorneys. The experience has harmed me and my business as well as many others. When is too big not acceptable for consumers. When the consumers are lied to to get the business and then they pull the plug when they feel like it. It is just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My ex-wife was awarded the home in a divorce. She was ordered to sell the home or refinance it and remove my name from the mortgage with in 4 years. She did not do so. She is behind on the mortgage several months. in XXXX of 2017 she entered into an agreement with the bank that she would make 6 months of payments on time. I got control of the house in XXXX 2017 through the contempt order from the court. I have tried to remedy this situation by getting a real estate agency as well as finding an investor for this property. I am not in financial position to be able to carry this loan and am willing to work with the lender to settle this issue with a short sale. The problem that I am having is that Select Portfolio Servicing INC. is the mortgage servicer on the referenced account. I have submitted my proposal for a short sale to Select Portfolio Servicing INC and was told that the investor would not accept a short sale due to the fact that My Ex-wife was in default of her agreement with them. I have spoken to Select Portfolio Servicing INC and requested to speak to the investor and explain my unique situation. They refuse to give me information on the investor and tell me that they do not have that information. My question to them is if you do not have the information then how can you tell me that they will not accept a short sale. I requested information on who they spoke to as well as a phone number and an address of the investor for this account.Select Portfolio Servicing INC will not give me this information so that I can settle this issue with the bank. I feel that this is bad business practice and that they are interfering in a good faith attempt to settle a debt that my Ex-Wife failed to do. I am doing all I can to take care of this and have spent a lot of money in legal fees just to get to this point. Select Portfolio Servicing INC has many complaint filed against them and they need to be looked into!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed 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/removed 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/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took out a {$100.00} payday loan from Advance America in XXXX, XXXX. It was due on XXXX, but I contacted them and got a deferral until XXXX. Despite the deferral, they have called repeated over the last couple of days. They only called a couple times, maybe 3 times on XXXX from their local office number of XXXX. Today, on XXXX, they have called over XXXX times starting at shortly after XXXX and calling every XXXX minutes from a variety of numbers. Just while trying to type out this complaint, theyve called twice. They dont even leave a voicemail, they just hang up and then call back about XXXX minutes later. I have been approved for a deferral so they shouldnt even be calling me at all, but especially not as frequently as they have called me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged two late fees by Bank of America in XXXX and XXXX of XXXX. 

In my XX/XX/XXXX statement, a late fee of {$35.00} was charged for no payment in XX/XX/XXXX. I had made a payment in XXXX but according to Bank of America, it was received a few days after the due day so I was assessed the fee. According to XXXX, my payment was processed on XX/XX/XXXX. I had never been late in prior months and assumed it was because of a processing issue at the bank or human error - mine or other. I asked Bank of America if they consider waiving the fee as a courtesy and I was told no as my payment was late. 

In my XXXX statement, a second late fee of {$35.00} was charged for XX/XX/XXXX. According to Bank of America- my payment of XX/XX/XXXX, was applied to XX/XX/XXXX, not for XXXX. 

I contacted Bank of America in late XXXX to explain how unreasonable it was for them to charge me two late fees when I had made a payment during the period. After several calls, I closed my account, paying the balance in full minus the two late fees. I had offered to pay one late fee but not two. I did not receive a subsequent statement and no longer had access to the account through the online portal, and as instructed tore up my cards. 

In XXXX and XXXX, I continued to receive emails about the {$70.00} plus interest but no statement. 

On XX/XX/XXXX, I made one last attempt to resolve the issue with Bank of America. I was told they could not waive the fees and interest because there was {$5.00} remaining on the account that needed to be paid. I paid this amount while on the phone with Bank of America. I was told the two late charges totaling {$70.00} and associated interest would be returned, bringing the account to zero. 

In XX/XX/XXXX, I received an email requesting payment of the {$70.00} plus interest. I called Bank of America, I was told that after a second review, they had decided against returning the funds, even though I had been told otherwise. 

All the while, Bank of America is reporting my account as past due, which is adversely impacting my credit.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-06
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried applying for a credit card On XXXX and XXXX of XX/XX/2020 in Citibank and XXXX XXXX and got denied yet I dont have any debt or a bad credit history. In fact this is my first time applying for a credit card.

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 2019-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am over XXXX years old and I got my car financed with Chase. Last month I paid my car 2 weeks late but I was harassed every day by Prerecorded phone calls on my cell phone that I never consented to. I got a manager on the phone finally and told them that I never gave them permission to call me using an auto dialer and to stop calling me due to my health reasons. The calls never stopped and this month I got 5 voicemails in one single day from them. The auto calls have not stopped and I feel like this has made my medical condition worst. I know I am not the only customer chase is calling without their permission and know chase is harassing others as well. I had to change my number because I was losing sleep and not following my doctors orders. Please audit chase 's customers and fine them for not getting permission and breaking collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF EQUIFAX SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED ASAP

Company response to consumer: Closed with explanation