BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-01
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This complaint is about a Navient practice. I have contacted Navient directly and was told that my individual problem would be resolved, but the larger practice needs to be stopped. I have been making the same automatic debit payment for several years on my student loans. This month, my statement said the amount due was {$300.00} less than it normally is. I was given no notice of this change, and I did not request this change. If I had not been paying attention, I would have started making smaller payments, therefore owing Navient much more over time. When I contacted them, they said " the system '' automatically recalculated my debit payments. Now that I am getting close to paying off my loans, the system calculates payments to keep me paying longer and therefore owing more interest on more payments? With no notice? This is an extremely deceitful practice. My personal situation should be remedied for the next month ( but only after having a month where I could n't change it, even if I can make my own additional payments ). Consumers need to know that this is happening and to pay attention to their statements. I also do not understand how this can be done without my consent and without notice that it was happening. It feels like a trick to get borrowers to owe more by quietly changing automatic payments that borrowers are n't thinking about because they are automatic. Luckily, I always check statements and review my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: CITIBANK, N.A.
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:
Hello, and thank you so much for this website. I have been a long time customer with Macy 's Department Store, and recently started to have an issue with them. I had received a notification from XXXX XXXX about my credit score. I have and XXXX credit score, my credit score dropped 200 points, because Macy 's reported me 170 days late for non-payment, when I never received a bill from them. I called the credit line I was informed by XXXX, that the bill was sent to an address that I moved from in XXXX. He than advised me that in order to get the derogatory statement removed from my credit report, I would need a confirmation number from the post office. I advised him, I have several other store department credit cards, and never had to do this. I advised nothing could be done until I get a confirmation number. I ask to speak with a manager, this was on XX/XX/XXXX I was transferred to XXXX, she advised me of the same thing. I advised her to date I had not received a bill from Macy 's, she advised me that it was my responsibility to call them, and advise about the change of address, and that they weren't going to correct my credit report. I then called the Executive Office on XX/XX/XXXX, spoke with a representative named XXXX. I advised her of the situation, she basically told me the name thing. I advised her whenever I made a purchase at Macy 's they always verified my information at the the register, such as is you email still the same and your phone number. My information was always correct, so I advised XXXX of that, she told me they called me over 41 times in XXXX of XXXX at a number that I used for my business fax machine, that I never gave out. I advised her when I was ask if my info was correct at the register, that they had my current information, XXXX advised me that, that information doesn't filter down to them, and that I should have called. How am I as a customer suppose to know that the information I gave at the register doesn't filter down? Then she tells me that they didnt report me a a 170 days late it was only 30 days, I then I advised her if she can see that, she could also see that date that I moved in XXXX, it was also on the credit report. XXXX refused to correct my credit report, stating all this was my fault, and that I should have contacted them. Macy 's messed up my credit report, over something that could have been corrected, I have had the same phone number for 30 years, I always pay my bills on time, my credit score dropped 200 points. I want my credit score corrected, I had to end up closing my Macy 's credit card account over this. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called to make a payment. Spoke with the representative and made the payment to pay the account off in full they took payment over the phone. We then filed for bankruptcy and made sure we didnt include that account in bankruptcy. We cancelled bankruptcy 4 days later. We never received any notices that there was a balance on this account and I was blocked from any access online to be able to check anything. They have ruined my credit by placing this false info on here.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: ND
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 have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to 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 2016-07-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: 1st Franklin Financial Corporation
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:
1st Franklin with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
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:
Our home was burnt down in the XXXX XXXX XXXX on XX/XX/XXXX. This would make our last payment to XXXX XXXX XXXX, our mortgage company, XX/XX/XXXX. Due to the disaster we were put on a forbearance plan. During this time we were bounced around with multiple people assigned to us. Every time we received a check from our insurance company it went straight to XXXX XXXX in order to pay off our home. The forbearance ended on XXXX of XXXX and due to waiting on checks from our home insurance and the time it took for XXXX XXXX to actually put the checks toward the loan and get approval, the house loan ended up being paid off In XXXX of XXXX instead. ( One month late ) Resulting in XXXX giving us a 120+ late  payment, stating they would count our last payment to them being on XX/XX/XXXX instead. There was not enough communication between XXXX and us to give us enough knowledge to know what steps to take next and know what kind of consequences lie ahead if the loan was not paid off. There were no options explained to us, no extensions mentioned, little to no communication. There were times they claimed to have lost our checks on MULTIPLE occasions. We feel we have been wronged in this and ask for your help. We paid off our house and tried to within the first year. The second they received our checks they shouldve deposited them toward the house, not held onto them causing some to be lost in the process. We might not be the only people they took advantage of and dismissed. We do not deserve to have this on our credit when there was no effort on their end to help us. We can not get a loan to get a new house because of this. We are stuck and it is not our fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was bought out by Seterus and they underestimated my escrow ( taxes and home owners insurance ) and sent me a bill each month for 9 months for the underestimated amount. Finally, they sent me a letter telling me that I had to pay {$2000.00} to bring it current. 
I refused and paid {$220.00} then {$100.00} or more per month. And now I believe my balance is only {$48.00}. But they claim that it is more and are threatening me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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:
I was denied from getting a credit card with XXXX XXXX today XX/XX/20 because apparently there are accounts reflecting badly on my credit history ; I was not aware of these accounts and the reason for that is because none of those accounts are mine. The accounts are from these companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name. I am not affiliated to any of the companies I listed nor do I have any written/verbal contract with any of them. I did not benefit anything from these unauthorized accounts and I did not take part in any purchases or payments made towards these accounts. I have already filed a police report regarding these accounts.

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 2018-09-27
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A 60 day late was reported for one of my accounts while my account was in forbearance last year ( XX/XX/XXXX ). A late should not have been reported as no payment was due, and when payments resumed, all payments were made on time. I spoke with a XXXX XXXX representative and they went through my account to confirm this with me. 
The 60 day late reported XX/XX/XXXX. I made a forbearance request payment on XX/XX/XXXX and XX/XX/XXXX. ( I requested forbearance for two accounts, two times in a row at $ XXXX/each ). I believe this issue may have been a result of my account having previously been in forbearance with another forbearance requested immediately after. The dates are as follows : Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Forbearance requested XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payments for the account resumed XX/XX/XXXX. 
I am requesting that you please look into this and remove the late with all three credit bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$230.00} XXXX {$18000.00} XXXX {$100.00} XXXX {$22000.00}

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 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency because I need your help in disputing some charges done on my Capital One by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Capital One card by the companies : XXXX, XXXX, XXXX charged last year between XX/XX/XXXX and XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called me at my office three times, after I specifically said I CAN NOT receive personal calls at work, on the third call actually acknowledged that she knew she could n't call me at work but she had no other option. Has not stated where she is calling from, just says it is regarding a medical bill. Does not state what company she is with or where the medical bill is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have credit inquiries that were deleted but re-inserted on my credit. I submitted a credit dispute but they have yet to remove the inquiries. 


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 explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please see letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

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 2017-01-23
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( XXXX XXXX XXXX ) twice under XXXX different account numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion has ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
This consumer : 1. Attempted to login to his Transunion account to review status. 2. Login, and or, password was not recognized. Consequently, this consumer is routed to a page asking what is the consumer 's high school mascot name and what is his email. I provide the right information. However, it kicks back as wrong. 3. I am routed to an off-shore XXXX XXXX XXXX number. 4. I call that number. The Transunion representative can not access my information. and suggests I email my state or federal I.D . I email my state I.D . 5. I call back. This time, the Transunion representative states that my only option is to go to XXXX. I explain that under XXXX and state consumer protection law, Transunion is obligated to do much more than that. 5. I am switched to a supervisor who says that Transunion is not even obligated to do for this consumer what was already stated in previous conversations. So, erroneous information remains on the Transunion report for this consumer. This consumer is left with no material way to correct or mitigate this problem. I and millions of American consumers are adversely impacted by the conduct of information barons like Transunion. Credit reports impact an American consumer 's ability to get a job or housing. Transunion can hurt families in this regard. Currently, it appears that I have identity theft and a false record issues with Transunion. I have collections that are not mine. I have access or profile information that is not correct. Transunion is refusing to make resolution possible or easy.

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 2019-12-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened an Amazon Prime store credit card on XX/XX/XXXX. It is issued by Synchrony   Bank. I linked this card as the form of payment when I shop on Amazon.com. I used it to purchase several items over the past few months. I used the return and item feature on Amazon to return some items and used the return shipping label provided. Instead of Amazon refunding the returned item to my original form of purchase ( Amazon Prime Store card ), they created an Amazon gift card without my knowledge and put the refunded amount as a balance on the gift card instead of crediting my Amazon Credit card. I contacted Amazon today XX/XX/XXXX and talked to XXXX- a supervisor who told me that they can not apply the gift card balance to my Amazon credit card! So, I am left with a credit card balance that I must pay to avoid interest charges on several products that I returned and the only way to get my money back is to buy more products from Amazon with the gift card balance which I never agreed to! I am furious that Amazon would do this to consumers and Synchrony bank should be responsible as well because there is nothing about this in the credit card agreement. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase issued a 1099K to a person, when all the funds were withdrawn into an LLC where the person is not an owner. The LLC paid taxes on the earnings, but does not have the 1099K. I have contacted Coinbase repeatedly over the last 6 months and they have offered zero help or resolution. I have requested they cancel the 1099k issued to the person, and instead, generate one in the name of the LLC that received the funds and paid the taxes on them.

Company response to consumer: Closed with explanation