BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is a duplicate complaint from XXXX. However, I made a separate complaint that was erroneously combined with Transworld. Within a few hours, TransWorld responded. However, my issues were separate on the same matter. Transworld did not answer my questions either but I wanted them kept separate so that younomics would respond. I need a response from Younomics. Hence I am resubmitting the complaint as this derailed that process : Have attempted to contact younomics regarding details on my loan and potential involvement in privacy violations. After the CFPB [ Case number : XXXX ]. I was informed that my loans were subject to a security interest at XXXX XXXX. This was not apart of the original documents. The loans holders had changed a number of times. Due to privacy violations etc I was experiencing not sure if this had something to do with it. As it was not interest on a loan and there could very well be security issues. Either way, I believe they were being used by others to facilitate privacy violations. Upon following up with Younomics. They had no information from this complaint, while it was listed that younomics is the company complained against XXXX XXXX XXXX handled the complaint. What I found disconcerting is that Younomics had zero information. They could not answer my questions about anything. They could not produce any documents and could not produce any info. Furthermore, they would not answer questions about who their management team or ownership structure was ( including historically ). While XXXX XXXX was a surprise, that could be either a interest on a loan or a security interest that means there is underlying security issues which would fit my own concerns. I do n't know. When my questions are n't being answered, that 's a problem. I made a complaint regarding XXXX XXXX to XXXX. However, with younomics. They ultimately contacted university accounting service who then put my account in do not contact status. The issue is, I believe these things are being used by others in an adverse way or have been. I ca n't gain any details on the company. It 's not clear who owns them, who manages them and what laws prohibit them providing me this info. Furthermore, it 's not clear how my information being handled as they had access to none of it. I made a complaint concurrently to the NY Department of financial institutions but I do n't know if they did anything? It 's number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, Citi sent me a letter saying they would be closing my accounts on XX/XX/2020. They specifically stated, " Your account will close on XX/XX/2020 and any Citibank ATM or debit cards for this account ( s ) will be canceled 5 days before. '' On XX/XX/2020 I attempted to withdraw the funds from my account and received an error. 
I attempted the same again on XX/XX/2020, and got the same error. 

I called Citi at XXXX seeking clarification and to resolve this issue. 
I spoke to XXXX and asked why I could not transfer funds between my Citi accounts. XXXX said the Business Support Unit put the block on the account. And that while there was nothing she could do, she would transfer me. 

She transferred me to XXXX at XXXX. XXXX said there was a soft block on the account placed by the branch and no funds transfers would be honored. XXXX said to call a branch because she did not have access to the block. and put me in touch with the closest open branch to me which was 278 miles and 4 hours away from me in XXXX, FL. 

I spoke with the branch manager there named XXXX. She put me on hold for an hour only to let me know there was nothing that could be done. But if I called XXXX they could help me. XXXX is the phone number of a California cable company. I tried speaking to a fourth Citi representative named XXXX, but was told the same thing, nothing could be done. 

This is a clear case of a bait and switch and Citi acting in bad faith. After explicitly saying, in writing, the account would remain open until XX/XX/XXXX, and asking me to withdraw funds before then, they blocked the ability to do so and are currently holding {$270000.00} of my funds XXXX. 

I repeatedly communicated with 4 different Citi representatives over the course of 3 hours on the phone trying to explain that they committed in writing to closing my account on XX/XX/XXXX and they asked me to withdraw my funds before then. 

I had initiated external payment requests because of their written representation. I repeatedly mentioned that if Citi held the funds, and denied the external payments requests I initiated, there would be significant financial damages sustained by me because of Citi 's clear example of bad faith by committing in writing to closing the account on XX/XX/XXXX, but then locking my funds on XX/XX/XXXX. 

Each day I don't have access to my funds, the damages are further increased.

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 2020-04-22
Company: CITIBANK, N.A.
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:
My Ex wife of four years has me listed as an authorized user on her delinquent credit card account. I found this out today when I went to request additional credit in my name. I do not have any information except what is showing on my credit report which is 6 digits of the account and that I am an authorized user. I called CITI bank to have my name removed and this information be removed from my credit file and they refused to help me. I talked to a supervisor and an advisor with no help. This was today XX/XX/2020

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 2017-06-14
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On  XX/XX/XXXX I  contacted  Sallie Mae abou t my student loans. I lost my job and was seeking a deferment. I was told by the person I spoke with that I can defer my payments for 3 months at a time. I had to make a {$50.00} payment towards each loan. I was instructed that the payment was going to be made on   XX/XX/XXXX . I wa s also told that I would be deferred  for XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . W ith option to continue deferme nt by  XX/XX/XXXX  or m ake my payment.   On   XX/XX/XXXX  m y co-signer received a letter stating I was behind on my payments. My co-signer contacted  Sallie Mae a nd the person he spoke with insisted there was no arrangement made with them to defer my payments. He insisted that she double check. She came back on the line and said yes there is a plan setup for deferment, however it does n't start until the good faith payment is made o n  XX/XX/XXXX .    My co-signer asked to speak with a supervisor. The supervisor said that nothing could be done and if the payment was not made for the delinquent account that it will be reported to the credit bureau and effect his credit. Now they  had him pay for XX/XX/XXXX  and XX/XX/XXXX  payme nts totaling {$710.00}.   The information tha t Sallie Mae provi des their clients with is false or they do not know what they are talking about.   On top of that bac k in  XX/XX/XXXX , th ey showed my payment on  XXXX  account to be 60 days late. My co-signer ' s credit score  plummeted from  XXXX  to  XXXX . However I had automatic payments setup for both accounts, but  the one account w as never deducted from my bank account.   The way  Sallie Mae do es business is terrible. The employees do not know what information they are giving to people, they also use bullying tactics to get money from the person that took out the loan.   They will call and leave no message, then call your co-signer before you have a chance to call them back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.

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

Complaint:
Navient is attempting to reach out to me to repay my student loan, even though the freeze on student loan payments runs through the end of the year. Navient is well known for predatory practices, and this is just another report of predatory collection practices in an attempt to circumvent the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I closed on my house on the XXXX XXXX and had a settlement statement shown paid to XXXX XXXX. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.

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 2021-10-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed two of my credit cards and lowered limits on two other cards that I have with them I have never missed a payment and have been with them for years Oldest card 2014. 
After closing my accounts the rewards are no longer there.

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 2020-04-22
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want to file a complaint with Credence Resource management for deliberately trying to reage a debt which is against the law! This is a collection agency that now owns an account for my old account XXXX XXXX XXXX.It was first reported late in XXXX by XXXX XXXX XXXX . It was eventually turned over to a collection agency in XXXX. In XXXX XXXX, i had filed for XXXX XXXX Bankruptcy which i had dismissed in XXXX. No-one other than my attorney received any payments from me from the bankruptcy. This is no reason to re age a debt to another 7 years! The original date of first delinquency must always carry over from the original creditor no matter who owns the debt. They put it on my credit report as a new charge off account which is not legal! This cost me 20 points on my credit report! This is against my rights under the fair credit reporting act! Also, they never sent me anything in writing on this debt which is required before adding it to my credit report which is also a violation of my rights! I have 30 days to review it and a right to dispute this information before it goes on my report. They violated my rights! This account must be deleted due to discrepancies and by not filing the law! I have enclosed all of the original bills from XXXX XXXX XXXX as proof of the original date of delinquency! Also, this bill has been in dispute for some time. I had went round and round with XXXX XXXX XXXX about the charges and unless they offer me a settlement, i am not willing to pay it. The bill is showing allot more than what i owe!!! 

Credence Resource management Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14
Company: Experian Information Solutions 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 company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,   XXXX   {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   IL

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 2020-04-22
Company: EQUIFAX, 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:
I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the  Public Service Loan Forgiveness Program . As a result, I was forced to transfer my student loans to the world 's worst loan servicer, Fed  Loan Servicing. I   was approved for the PSLF program in  XXXX   XXXX . I began making and accruing qualifying payments in  XXXX   XXXX  but continued to go to school. I filled out multiple in school deferment waivers during the period for each loan sequence because my current school kept adding loan sequences. In  XXXX  of  XXXX  I put in another deferment waiver for a SINGLE loan sequence from  XXXX  and Fed  Loan Servin g erased all of my qualifying payments for all of my loan sequences and reset them to zero. Of course, I have made multiple calls and been unable to resolve this with the loan servicer because their customer service is horrible, abysmal, and the worst in  America.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
cra voilation sent the ftc inaccurate information no knowledge of

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 2021-10-28
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX reported incorrect that I had a {$400.00} debt on my credit card on XX/XX/XXXX, even though I remitted payment on the due date which was XX/XX/XXXX when my account was current and I didn't owe them any money. 

They repeatedly send the incorrect information to the credit reporting agencies in a attempt too harass people to send more money or send money they don't owe. I called them and they said my account was current. I've called them multiple times and been hung up on, lied to and given the incorrect information. 

XXXX  submit false information to get customers to contact them and is slow to fix errors, if they ever. 

I will be leaving this bank as soon as possible, don't put your financial well-being at risk with these people.

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 2022-04-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank is holding my funds without me being able to access funds Bank 's website is never working Bank never sent XXXX for XXXX  tax reporting purposes Unable to close account and transfer fund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report. 

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit. 

As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
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:
USAA has filed a delinquent account in my credit report that im unfamiliar with. Ive requested written documentation that provides proof the delinquency belongs to me. The total amount due is {$4100.00} from a credit card account. It states the account was a charge off from USAA Savings Bank, XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX USA. I've written multiple certified letters requesting info pertaining to why this is on my report and ti remove/ delete the urn if they can't provide proof I am the one who opened the account, but I've received no response on the matter. Please assist in the matter.

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