BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
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 information incorrect

Complaint:
XXXX, Experian, XXXX XXXX All three agencies are manipulating credit scores to their advantage. For several months ( about 7 ) my credit score was slightly below 600 ( XXXX ). As I was following all of their guidelines on how to restore my credit slowly for years my credit score would only go up one to two points at a time. As I was about to go over 600, my credit score plunged almost 54 points and advertisements for XXXX XXXX  ( which takes data from your personal checking account on an insecure breach ), and various other ways to improve my credit AT A COST, or enrollments of a program again at a cost or ways for these companies to gain more personal information such as checking account information which is just another wormhole to data. Even use fear based advertisements such as, suggesting I keep a closer eye on my credit reports by paying a fee to watch all three reports closely! Why do we as a public entity have to pay to see what our credit scores are when these agencies are taking our data for free!!!!! 
They are stealing my data to gain monetary satisfaction for their corporations! 

Because they have manipulated my score I am actually paying higher interest rates on student loans, car loans, can't get a mortgage. I have had to pay attorney fees to XXXX XXXX to try and repair my credit. 

In one month I lost 23 points on a credit score for no valid reason bringing my score way below 600 points. Then the following month they gave me one point back! 



This is a criminal act. These credit reporting agencies are using my data for free to manipulate my credit score so that in turn I pay for services to repair 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 2017-06-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.

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 2017-04-21
Company: Holst & Boettcher, LLP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Holst & Boettcher  continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi! I received a prepaid debit card as a gift in XX/XX/XXXX. I went to the website XXXX on XX/XX/XXXX so I could start the process of using the card. I could get in as First time user. Well, the balance was XXXX. I saw a name on there and a notice that the card was used in XXXX of XXXX and an XXXX claim number. The prepaid customer care or supervisor would not help me. They said I need a receipt. This was a gift card. That was over a year ago, I am not asking for a receipt. That isn't the proper thing to do. I called back and a XXXX gave me a claim number and stated I could fax the front and back of the card and my id to get some help. I tried the fax machine 6 times without getting through. I can not get back into the website to get all the person 's information that stole my card. I know the name is XXXX He and the location was Illinois. XXXX confirmed this. They said they would put a stop to their use of XXXX. I called back again to VISA prepaid on XX/XX/XXXX at XXXX XXXX. to ask for some help. I was told I need a receipt. I am out {$100.00}. Do I have to have the police call the VISA prepaid to arrest that person for stealing {$100.00} from me? I can not seem to get any help through the VISA prepaid people. They are blaming me. They say I need a receipt. Why didn't the person who stole the card need the pin number or the three digit code to use it? And, why don't they call that person to get a copy of the receipt, a copy of the card, the pin number, the three digit code? I have the card. Do they? The responsibility should be on them. I am out {$100.00} dollars and have to defend myself?? Thank you for trying to help 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 monetary relief
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
With all  XXXX  Credit Bureaus  XXXX , Equifax and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all   XXXX   of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the victim that needs to proof that I do n't have a car or a home. There  are Medical bill s that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable c ompany that Does no t belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
MACYS/DSNB XXXX Opened XX/XX/XXXX Balance {$0.00} Late Closed-

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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
With all  XXXX  Credit Bureaus Transunion,   XXXX   and  XXXX .   I have been going through this for a years. I have been disputing items off my credit report for a year they come off then they get back on Now with all of a sudden i own a house a car i never in my life owned a house i never in my life had a drivers licence i put a identity theft alert on all  XXXX  of my credit reports because i recently found out i got my identity stolen last year so i started looking into my credit report and find a lot of things on my credit that did n't belong to me. now i am the  victim that needs to proof that I do n't have a car or a home. There are Medical bills that were paid late by my insurance company still on my credit report and still wo n't be removed i have been disputing this since last year. A   XXXX    cable company that Does  not belong to me because like i keep telling them i have  XXXX  and i have been a customer of them for years and still am. I have so many different addresses on my credit report that i never lived at. So many discrepancies and nothing gets done. Until when what else do  i have to do?? I have Attached my I.D, Police Report and my S.S. thinking that hopefully things will get solve but no they what more and more information from me until when do i have to keep going to this?? hopefully this will be the end of all this mess!! Please Help tell me what i need to do.

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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS IS ACTUASLLY THE SECOND CFPB REPORT I BELIEVE I HAVE HAD TO COMPLAIN ABOUT TO FILE WITH.    XXXX   XXXX    HAS INSISTED ON LEAVING A DERAGOTRY ACCOUNT ON MY REPORT AFTER ALREADY REMOVIGN UIT ONCE DUE TO INACCURACIES! I CALLED THEM, I MOVED, THEY DID N'T SEND THE RIGHT BILL. I TOLD THEM NUMOEROUS TIMES. I WANT THIS ACCOUTN OFF IT IS CRAZY THAT THEY CAN KEEP REINSTERTIG IT AFTER TELLING ME PROVING THEY WIL ; L REMOVE!

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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, natural person and consumer am submitting this complaint against Capital One on my own. I have not received any assistance from a third party. I am aware that Capital One has violated my right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6802 ( b ) of the Gramm-Leach Bliley Act. I am aware that not excluding transactions between, I, the consumer, and the person making the report is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Capital One is a covered person as defined under 12 U.S. Code 5481. According to 12 U.S. Code 5536, it is a prohibited act ( A ) to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or ( B ) to engage in any unfair, deceptive, or abusive act or practice ; I am demanding Capital One provided the required notice of disclosure or block and remove the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Suburban Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert today ( XX/XX/22 ) from my credit monitoring service that Suburban Credit Corp placed an illegal entry on my credit reported without notifying me. According to the The Fair Debt Collection Practices Act, The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : 1.The amount of the debt 2.The name of the original creditor to whom the debt is owed 3. A statement describing your right to dispute the debt I do not owe them any money. I have never spoken with anyone from this company nor have I received any type of documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).

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 2017-06-13
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX   XXXX   XXXX   processed a private student loan request that is now being serviced by Navient. I did not authorize said loan to be processed and in fact was under the impression that the only student loans processed were Federal Student Loans.
<P/>
After finding out there were in fact private loans processed, I entered a rehabilitation program through Pioneer that promised to clear the debt within a short time frame. According to the online records I was able to obtain, none of those payments I agreed to with Pioneer have been adequately applied to the account, nor did those payments remove the erroneous default reporting that Navient has been continuously reporting.
<P/>
I am very   XXXX   about the negative reporting as well as the enormous accumulation of interest that has been applied to a previously {$18000.00} loan, which now shows over {$50000.00} in debt due.
<P/>
I believe the CFPB would agree that the Pioneer and Navient are credit predators and through deception extended a loan without my knowledge, and went further to add egregious amount of interest that is an unbearable amount.
<P/>
In addition to the aforementioned,   XXXX   XXXX   XXXX   is a closing school and has also lost its accredidation. Further details of the events of this school can be found in the " Borrower 's Defense to Repayment '' I attached to this complaint and that was submitted to the Department of Education regarding the federal loans.

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 2022-09-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
Original application for credit card denied by an automatic system based on 7 years old bankruptcy on the record. Requested review of original application, denied on the same bases. Spoke to multiple customer service reps on XX/XX/XXXX, including low level manager who said I will be contacted by higher level manager within 24 hours, who is not available on weekends. No call back received. Called back on XX/XX/XXXX, put on hold for 40 minutes just to be informed by account XXXX that their " systems are down '' and I have call back the next day. Just for reference, applying for Chase Flex with Credit score of XXXX and income of {$110000.00} with not a single payment missed in 7 years.Total round around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient  XXXX .  XXXX   XXXX   XXXX , PA  XXXX  I am responding to your errant letter referenced above and enclosed for your review. For the record, the alleged consumer-reporting agency indicating the above loan is not [ mine ] or may be the result of identity theft is in complete error.     The referenced account is listed on my consumer reporting agency credit report and deleterious [ wrong ] information continues to be reported by Navient. Although the account is closed you have repeatedly reported that I was  90-120  days late on my payments.     This is incorrect. Further, I have repeated asked that Navient provide me the backup documentation supporting this claim, to no avail.  Navient  has refused to provide me any supporting documentation in furtherance of their claim. As you are aware, FCRA requires you to produce the information.     I am asking again to either square your allegation or cure [ remove  ]  the false information being reported to each of the  three  credit bureaus. Please reference below : CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. Navient, Formerly Part of  XXXX   XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception  XXXX   XXXX ,  XXXX .     What I am specifically referring to are the  XXXX   ( 90 )  and  XXXX   XXXX   (   120 )  payment history being reported wherein  Navient  falsely alleges I was late.  Navient  also reports that for the months  XXXX   XXXX   XXXX   XXXX  my account was paid on time. Given the history of the on-time payments, it was not possible for me to be 90/120 late in  XXXX   XXXX  respectively.     I am requesting that you permanently remove this erroneous reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX has also not given me a security freeze.

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 2017-12-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation