BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: DISCOVER BANK
State: IL
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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. 

purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have filed a dispute claim with Citi bank credit card in XXXX of XXXX after my card was stolen and used to make an unauthorized purchases. I contacted citi bank to notify them of the issue and make a claim I also updated my address on file because I recently moved to a new apartment in the same complex. I was sent a new card however the card was sent to the the incorrect address which was the old address. Once I received the card I contacted citi bank once again to notify them that they still are sending me mail to the incorrect address after I gave them the new address prior to the mail being sent. After the call I was then told my account is restricted. I received a new letter in the mail stating my account is restricted. I contacted the company and they stated that im going to get another letter in the mail with a code. It is now XXXX of XXXX I still have not received this letter and have contacted them every week regarding this matter and they are still not resolving the matter nor have they resolved the dispute.

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 2023-01-20
Company: EQUIFAX, 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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
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:
I have contacted Experian multiple times regarding inaccuracies in my credit file in addition to their constant reporting of " Too many Consumer Finance Company Accounts '' and which of my creditors all of a sudden has started to trigger this comment to be placed in my file. 

Experian continues to ignore my request and continues to not give me a straight answer. This comment use to never be there and all of a sudden has appeared. If they are placing information in my file they are obligated to tell me why or which creditor and they refuse to do so. 

I have also requested a personal statement to be added to my credit file and this too has failed to be completed.

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 2015-07-22
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
There is a collector name XXXX contacting me at work and on my cell XXXX ext XXXX he is stating he is trying to locate me. he calls my job and just hits other extensions and talks to other people and asks them to give me a message. It needs to stop, he claims he is an attorney that i need to give a statement he leaves all this information on my voicemail not knowingif its me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: NCB Management Services Inc.
State: WA
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:
NCB management services reporting my account is open after it was discharged in bankruptcy, and it showing a late payment every month as this account is closed and I have disputed it and nothing has happened and I contacted the company and they say they have a right to report it as that and I dont understand how as of every other account that was discharged in my bankruptcy has been removed from my credit report as it has a zero balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Chase XXXX XXXX XXXX XXXX XXXX AZ XXXX Account number XXXX Re : Private Mortgage Insurance I am writing this letter to demand cancellation of Private Mortgage Insurance. My loan was first effective in or around XXXX of XXXX. Since then, there have been some hardships but was in good standing as of XX/XX/XXXX. The loan at that time was at least 20 % or less in equity. I believe the private mortgage insurance should have been removed at that time. Since then I did fall under unforeseen hardships and had to request a loan modification. My payment history was current for more than 12 months therefore, private mortgage insurance should have been cancelled. You had 78 % equity at that time and did not remove the PMI. There was another unforeseen hardship that lead to past due history sometime around XXXX. I have once again placed the loan in good standing with no late payments. In XXXX the property was more than 78 % equity and should have been removed. You didn't do that and I feel my rights under the Federal Homeowners Protection Act ( HPA ) was violated. Im requesting that the Private mortgage insurance be removed as of XX/XX/XXXX. I should be entitled to a refund for 6 or 7 years. Im citing the rules below for my rights. The percentage now is at least 40 %. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
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. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2016-10-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since filing a complaint with you against ALLY Financial on XXXX XXXX case number XXXX I have received another XXXX collection calls from ALLY. I received 4 calls just today. I spoke with the collections rep after the 1st call today and explained my situation. They called me 3 more times after the original call all in a 90 minute time frame. They called my wife cell phone as well ( twice ). I believe this could be considered harassment. ALLY called me the day after I filed the original complaint and said they were investigating. PLEASE PLEASE PLEASE help me -- 6 calls just today

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 2015-11-20
Company: Navient Solutions, LLC.
State: PA
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:
Attempts to reduce a monthly payment are constantly rejected. I 've taken forebarrance a number of times due to unemployment and charges accrued. I 've earned an additional XXXX $ from just trying to hold off loans. The money accrued and now my XXXX XXXX is worth XXXX. XXXX $ was added to my existing loans just like that. Over course of repayment, I will have paid XXXX for this amount, plus additional money from my standard loan balance. I ca n't move on with my life if I keep paying this much. I ca n't afford to invest in a home, let alone a new car. 

Today I was double charged by Navient. I changed my banking information and was told that i need to make a manual payment so that the system verifies the account. I did so. I was affirmed that no auto pay ( scheduled prevously ) would be debited. Today the auto pay was debited and I did not authorize it. It sent my account in overdraft. I 've been paying these loans on time for about 2 years. 

I do not get information I need and it is difficult to constantly talk to poorly trained reps. I feel my money is mishandles and I am paying more than I should due to their collection practices and cloudy information I am given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On several occasions Credit Karma suggested cards saying I would be extended credit and I was rejected. This further hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX XXXX {$240.00} XXXX  XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}

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 2020-08-06
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$430.00} XXXX   XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00} XXXX XXXX {$740.00} XXXX/XXXX  XXXX {$460.00} DPT ED/XXXX XXXX {$450.00} DPT ED/XXXX XXXX {$21000.00} USDOE/XXXX  XXXX {$420.00}

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 2015-08-27
Company: Navient Solutions, LLC.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been getting robocalls from Naviant every evening at the same time XXXX. Asking us to call XXXX number. Returned call once ..was told we have been listed as reference on a student loan app ..told them we knew of no such app. For a while got message threatening vague legal action in reference to a person we have never heard of. Would like calls to stop and Naviant to be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent letters to the credit bureau advising them this is not my information they have failed to respond to my letters. I have disputes from Equifax and XXXX. They should update this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 there were 4 charges totaling {$550.00} from XXXX that Chase Bank ( phone XXXX ) flagged as fraud on my Chase Freedom credit card and shut down the card. I spoke with the Chase Fraud Dept. explaining that I did not make or authorize the charges. On XX/XX/2020 Chase reversed the charges from my account. 

Subsequently on XX/XX/2020 Chase reapplied the charges to the account. When I spoke with their fraud department again, they explained that following their investigation they noticed that we had prior purchases from XXXX so they assumed the charges to be valid. 

If they had actually investigated this, as they stated, they would have found that : 1 ) We have never used XXXX, which is a food delivery service 2 ) The actual charges make no sense because the charges indicate a purchase of {$550.00} on four separate purchases on the same day all for sushi, for walk up service ( note XXXX is a DELIVERY service ) 3 ) Chase was the one who first identified the charges as fraud and notified us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Transunion has discriminatory practices against women. I attempted to check the status of my transunion credit report freeze status because I am trying to secure financing for a mortgage. I was married last year and both my ID and Social have been updated to my new last name. I attempted checking the status withy my legal name, social security number, and address that I have lived at for the last 6 years. I was not granted access to the information, and was told I would need to contact support. I did, and they told me that I would have to reconcile my report between my former and married name. Not only can I not access my credit report with my legal name, I can not freeze my account to protect myself until I send a paper copy of my ID ( despite the fact that my social security record has been updated ) in by mail ( a process that two agents have said takes 12 days to receive and process ). This policy disproportionately and negatively affects women as approximately 80 % of women change their name when they marry and only 3 % of men change theirs. I asked them if there was any other way to do it and they said mail was the only way. Now there will be a delay in the financing I am trying to secure, which in this market can mean the loss of a home. Additionally, I cant protect my credit report until they process the update.

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 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and XXXX  and XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. Capital One Bank there reporting in Status as ( Late over 120 days ). As of XXXX. 2. Kevin Jewelers there reporting in XXXX status as ( Collections ) as of XXXX. 3.  XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX   XXXX XXXX is on my XXXX  report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX  is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, INC.
State: GA
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:
XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure   XXXX   pays for their lies all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Relia USBank Card that was generated by Unemployment Insurance of XXXX which I did not request. 
I contacted them and they told me to file a Fraud complaint I did. XXXX The XXXX Attorney General told me to call the fraud unit with Unemployment Insurance which I did left a message today. 
I have also called Relia Card and been put on hold waiting to talk to someone now. 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 2020-08-06
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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.

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 2020-08-06
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE TRANSACTIONS AND I AM REQUESTING IMMEDIATE REMOVAL OF ALL THE DISPUTED ACCOUNTS ON THE REPORT. PLEASE REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND SSN.

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