BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
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:
I have three ( 3 ) private loans with Navient. I payed off early one of the loans on XX/XX/2019. On XX/XX/2019 my automatic payment went through as usual. On XX/XX/2019 I received an email from Navient stating that I was put on forbearance due to a recent natural disaster. I am currently living in XXXX XXXX  XXXX and the previous addresses that they have in file are from XXXX, NY and XXXX, DC. None of those areas have had a natural disaster. I did not make a request to be put on forbearance nor do I need forbearance since I have always payed the loans on time through automatic payment nor do I currently have a financial hardship, in the contrary, I am considering paying off all of the remaining loans early. If Navient is involuntarily putting people on forbearance it causes their clients to pay more money on interest. Which is unfair and something that you can easily miss since I was notified only through email 15 minutes before their customer service stops taking calls for the day. It would be easy for someone to either completely miss that they were put on forbearance or forget to call them since they sent the notice at XXXXXXXX XXXX and stop taking calls at XXXX. I want to make sure that people are not affected by this since it does not appear to be a fair practice from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX - Experian I am disputing a Hard Inquiry from XXXX dating back to XX/XX/XXXX. As of this month the Hard Inquiry has passed the limit to stay on my credit report. Please remove the XXXX hard inquiry. Thank you for you 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 2022-12-20
Company: Phillips & Cohen Associates, Ltd.
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: Information belongs to someone else

Complaint:
To Whom It May Concern : PCA never provided competent evidence that I have a legal obligation to pay them. 

Including but not limited to the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent In addition their offices have reported invalidated information to the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company of the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Consequently, any negative information must be removed immediately pending validation! 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XX/XX/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 2022-12-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I owe a bill with Synchrony Bank. I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into XXXX  do to XXXX failure. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XXXX XXXX. My house note is XXXX behind and doing my best to catch up. Please see attachment for date and amount. Thank you

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 2022-07-23
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a card in the mail from Cash App on XX/XX/22. I never opened an account. I tried to contact them, but it is an automated line that says it will call you back. I received a call back and they requested I provide my email address so they could send me information on how to close the account. I did not want to provide any information to them. They would not help me close the account and hung up on me. 

I later received an automated voicemail that said a former employee downloaded cash app investing reports. It went on to say there was no personally identifiable info on those reports. 

I XXXX Cash App and apparently this is a typical scam. Please see the article below or you can XXXX " cash app card in mail scam '' and you will see similar articles. 

XXXX XXXX XXXX  Can you please help resolve this? They should also be held accountable for this scam and have an easier way to close this issue out. 

The company contact info is shown as follows : Customer Service XXXX Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-12-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX 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 2022-12-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Tuesday XX/XX/2022, I checked my Credit on XXXX XXXX and it shows a Derogatory mark. I was confused because I never had any type of debt with WAKEFIELD AND ASSOCIATES or anyone in general. I called them on their direct phone number and no one answered me. The Derogatory mark says " opened '' since XXXX. I never owed anyone and it is impacting my Credit score significantly. These people are scamming me and I need to get this resolved as soon as possible. It claims I owe {$940.00} but I have never payed or owed in that amount. The original creator is XXXX OF ALABAMA XXXX XXXX, I owe no one with this sort of money and I have never received any kind personal phone call or electronic mail or to my address. I am not sure how to dispute this, if i could be helped to get this resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XXXX XXXX, 2022 I received a virtual XXXX prepaid gift card with {$75.00} in value. This was sent to me via email. The email contained a link to their website which showed balance, transaction history, and the card number. I was able to spend about half of it over the next two days. On XXXX XXXX, 2022 I attempted to access the card number and balance through the link provided in the email. However, the site gave a " system error '' and instructed me to come back again later. Over the next two days, I checked periodically but received the same error. On XX/XX/XXXX, I called the company and was given a runaround for over 2 hours. They were unable to tell me why I could not access the information nor provide any estimated resolution time. As far as they seemed to be concerned, there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX for 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Both XXXX  and TransUnion updated my credit report for the issue I previously reported with XXXX. Original issue was, XXXX added a statement 'affected by natural disaster ' ( COVID ) and then removed it causing a massive hit to my score. After the investigation, XXXX added the statement BACK to my report as well as 'Current '. 

Outstanding Issue : My credit score never went back up from that massive deduction on either reporting agency 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 2022-03-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Attached, are the copies of the documents related to my previous complainXXXX.

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 2021-06-02
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm on unemployment and went to pull out cash for bills and my payment for the week was gone literally 3 minutes after it posted to my account. Someone ( this is what key bank told me ) made an account at key2benefits and changed the pin number on my card from there also. I had my taxes stolen from a ex friend who put there banking information on XXXX XXXX instead of using my account so maybe it was this person that stole my identity. I have sone information in her if it helps but honestly I don't know if it was her. Ill file a police report if need be and grant yous any permissions you may need on my end to further your investigation to catch whomever did this to me. Also all banking information on taxes are wrong and were illegally put there by a person named XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX ny XXXX. Again I will prosecute so please let me know what if anything on my end needs to be done to help! 
I have been a victim of identity theft and want to get the funds that pertain to me, as I receive them from unemployment benefits. I would like a history of all the transactions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2022-11-16
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:
This is my seven endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7700.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023 @ XXXX XXXX I received a call from XXXX ( XXXX ) XXXX stating they are Chase fraud line saying someone is trying to access my card and would close it and sent new one. I said ok close it and they text me code to chase text number ( XXXX ). After five days checked my accounts and it shows still active and multiple ATM transactions in total {$3600.00}. All this ATM transactions were made each by {$140.00} {$160.00} and {$20.00} this transactions happened in two days and still my account was not giving me notifications of transactions which I received all the time. I called chase to claim fraud they said they will investigate it and never call back. After four days I called back and they denied the claim stating the person that used my ATM used face ID to pay which I dont understand and they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account number # XXXX, XXXX Account XXXX # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX  Account number # XXXX, XXXX XXXX XXXX Account number # XXXX has XXXX 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 explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2023-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Bank allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in 2019.

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