BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-11-02
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Lawsuit Alleges XXXX XXXX and Navient Unlawfully Charging Late Fees. I sent my claim form back in XXXX 2017 and I never received settlement money and had all my bills sent to them with no reply back and I sent in my info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: EOS Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The information for the collection agency as it appears on my credit report. I have tried to contact the company by US Mail to settle the debt. They have not responded and there is no contact phone number. 

Creditor Information EOS CCA XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express extended an offer for a new Gold card with a XXXX membership rewards points promotion, but then told me on the phone I was n't eligible since I had previously had a gold card. They should n't send me such an offer if they do n't intend to offer it to me. There was no disclaimer on the terms and conditions, noting the condition that I must never have possessed a gold card in the past. This is a case of bait and switch. They should be prohibited from sending such offers. Surely, the company has a record of my previous business with American Express. They said their marketing department does n't have this information. I say get it to them and do n't make me an offer you do n't intend to stand by. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I am reopening a case with Chase executive office to help fix my credit report information. Chase closed all my credit cards on XX/XX/XXXX and I have accepted this. I had a large tax refund and I recently paid off all my business and personal Chase credit cards except one. I am asking the Chase executive office team to update my personal credit report as a result of the multiple Chase credit card account closures. My credit score has been negatively impacted by Chase reporting " account closed by credit grantor '' to the credit bureaus. Seeking a good faith resolution to update my credit reporting information by Chase. Otherwise, I would need to submit a credit card dispute form by a credit repair agency. However, I am seeking a good faith resolution with the Chase executive office team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
My husband and myself have been fighting identity theft for months and it seems we have gotten everything take care of except " inquiries '' i have made no inquiries on my credit report and there should be no new inquiries for me other than target. Any other inquiries for my credit are fraudulent and i have mailed about this before

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Upgrade, Inc.
State: CA
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:
XXXX merchant made frauduless sales and sent stuff here that was cancelled. I returned. XXXX closed account because of all I had to send back to XXXX. No refund. Put in all disputes in writing and called 4 times each to upgrade. No help at all. No one got back. The total of all XXXX outstanding refunds they did not dispute because they said " they didn't get info from me, '' which is a lie is XXXX and I have confirmation they rec 'd. A lot. 

They did the same thing with XXXX purchases totalling XXXX. I have same evidence. 

They also promised a XXXX bonus and XXXX bonus when I opened on the checking and debit. They said to spend so much in a certain amount of time and I did and called them serveral times and they are really XXXX and rude. This is a breach of contract and failure of fidicuary duty on several cause of actions. 

I tried to esacale to arbitration but their " legal team '' if they have one, won't respond. I dont even think this a bank. Just a huge false advertiser that charges interest when there is never a balance. I have all stmts. 

They claim to fix charges in error and this comes from their XXXX insurance and they did nothing. They also discriminated against me for being XXXX  with inablity to type, and having XXXX 

This started in XXXX XXXX XXXX  and is ongoing to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We currently hold a mortgage with Citibank. On XX/XX/XXXX, my husband and I contacted Citibank about refinancing our current mortgage that they hold. We were quoted a rate of 4 percent for a jumbo with cash out. We answered all of the questions including the ones on race, both my husband and I are minorities. We then got a call back saying that my husband had a credit score of XXXX from XXXX, XXXX XXXX and XXXX So Citibank wanted to charge us an 1/8 more and a quarter point extra in fees. On XXXX we received my husband 's credit scores from Citibank. He had a XXXX This surprised us so we went to XXXX and requested his scores and they were over 740. We checked with the other credit reporting agencies and could not find a score that low. Based on our request my husband had scores of XXXX, XXXX and XXXX. I contacted Citibank several times but did not hear back from the rep assigned to us, XXXX XXXX until today XXXX, where he told me that the rates was because my husband s credit score was low but I told him that we couldn't get the credit reporting agency to corroborate what he was saying as the basis for raising our rate. I asked to file an internal complaint, he said he would do that. I asked for contact information and he hung up on 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 explanation
Consumer complaint received 2016-02-28
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY LOAN SERVICER improperly denied me a HAMP modification. They did not acknowledge receipt of but did not respond to my XXXX XXXX, XXXX request for escalation. They have refused, in writing, to communicate with me since XX/XX/XXXX, because I authorized them to talk to my law firm at that time. In XXXX XXXX, I faxed them a letter saying I did not request a cease and desist, and repeated the substance of my XXXX XXXX fax. They remained silent. 

Finally, on the afternoon of Friday, XXXX XXXX, XXXX, I faxed them the attached letter, which once again lays out the mistakes they made in determining my eligibility for HAMP. It repeats what I faxed on XXXX XXXX, and again XX/XX/XXXX. I am hoping this third try will work, and making this complaint to CFPB at the same time to improve my odds. 

I request that CFPB take note of their HAMP-application-processing mistakes because they are systemic, as near as I can tell, and will have affected thousands of borrowers. The servicer is the rock-bottom least likely to approve HAMPs of those tracked by US Treasury at XXXX I have tried to modify this loan since XX/XX/XXXX. XXXX XXXX XXXX got away with fraudulent handling by handing the loan off to RCS. RCS should have done a lot better than what I report in the attached letter. 

Sincerely, [ name withheld ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Round Up Ventures, L.P.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/21 amount financed was {$2000.00} 198.30 % APR would make total paid {$8100.00}. I am really struggling to make payments but am up to date so far. I believe I have made XXXX payments of {$150.00} bringing my total paid already to {$2300.00} so they have already made their money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NV
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:
As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX says I got service in XX/XX/XXXX at a address that I do not live at and now owe a collection of {$430.00}. I have been living in the same house since XXXX. Asked for a signed contract and they could not provide one.

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 2022-12-16
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: Information belongs to someone else

Complaint:
I had over 60 inquiries that I had no knowledge of I didnt give anyone permission to run my credit. I also have addresses on my report that I never lived at. I have a police report that I uploaded. All three credit agencies I dont have any credit cards nor do I have any personal loans. I would like all these items removed

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 2017-11-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, Equifax, XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
Experian recently verified a bankruptcy. Per their own response ( Experian attachment ) they used the bankruptcy court to verify. Please see the enclosed letter form said bankruptcy court ( bankruptcy letter attachment ) saying that they do not verify any accounts, so how was Experian able to verify. Please also see attached from XXXX XXXX ( XXXX XXXX attachment ) where they were also unable to verify and removed from their system, as well as XXXX ( XXXX complaint number XXXX below ) ). So how was Experian able to verify the account? They were not. I demand to exercise my rights ( under the FCRA ) and have the bankruptcy removed from Experian database and my credit report immediately as they are unable to verify said account. 

XXXX Response CFBP complaint number XXXX " Company 's Response This is in response to the complaint filed by XXXX XXXX with the CFPB on XX/XX/XXXX. By way of background, XXXX XXXX XXXX ( XXXX ) obtains bankruptcy information from publicly available sources and, in its role as a furnisher under the Fair Credit Reporting Act ( FCRA ), XXXX provides this information to XXXX for XXXX to include, at XXXX sole discretion, in its consumer reports. Upon further review of the information provided and based on the bankruptcy case filing date of XX/XX/XXXX and termination date of XX/XX/XXXX, XXXX has determined that XXXX did not provide XXXX with the bankruptcy information concerning XXXX XXXX that appears on XXXX XXXX XXXX consumer report. XXXX began providing publicly available bankruptcy information to XXXX on or about XX/XX/XXXX. XXXX does not have the ability to remove the bankruptcy information in question from the publicly available sources or to remove information that XXXX has included within XXXX XXXX consumer report. XXXX XXXX may need to contact XXXX directly to determine the source of the bankruptcy information that appears on XXXX XXXX XXXX consumer 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 non-monetary relief
Consumer complaint received 2015-06-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Care Credit : XXXX needed some XXXX work in 2013. I borrowed $ XXXXI have paid approximately {$300.00} against this balance. Due to late payments and interest and penalties the amount continues to grow. 

I have been in financial hardship. I am in severe economic harship. This Care Credit is a preditor which is taking advantage of my hardhip and penalized me for late payments and now seeking a " {$310.00} '' " Minimum Payment '' on this now " {$850.00} '' balance. 
The interest rate on this card is now " XXXX '' perccent. I just made a payment of {$58.00} which I had to use a post dated check. I have a credit union I have been with for 20 years that would never do to me what this President is allowing these scoundrals to get away with. 

I need help. 

XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, 4 months later, I review my updated credit report and I noticed that they update my address, but they did not remove the inaccurate addresses on the EXPERIAN and XXXX report, so I am now taking extra step because I really need these addresses to be remove off of my credit 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 non-monetary relief
Consumer complaint received 2015-10-01
Company: Residential Credit Solutions, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the XXXX of every month, clearly marked " apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as " miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there. 
Can they do this? I have called them XXXX to inquire and the customer service representative, both times, has said it is being reviewed.

Company response to consumer: Closed with explanation