BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The issue is that I borrowed from       XXXX   XXXX       in   XXXX  .  Navient took over these loans years ago. I recently learned that my son is listed as a co-signer on that loan. I wrote them several times that this was not correct. First, they told me to send a co-signer release form, I was denied because my monthly payments is not the full principle. Then I told them that my son was never a co-signer on the   XXXX   XXXX     form. There was a section for the Borrower, the co-signer, which is my brother,   XXXX   XXXX  . My son, filled the section that stated " Student Borrower Information. '' My financial information and the co-signer information is on the form. My son 's information does not include any financial. Furthermore, all these years on Navient 's website, they never had my son 's name as a co-signer. Recently, they went in and added him as a co-signer to loan ending in  XXXX . I wrote again and challenged them and they sent me a second denial for not paying the full principle and for making a late payment. I have NEVER been late over 15 days on my payment. My son is not a co-signer and I demand he be released. I am tired of doing the right thing and getting slapped for it. Furthermore, my contract was with    XXXX   XXXX    how is  Navient  interpreting a contract that was not with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Currently, I pay {$XXXX} bi weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.

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 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When i log into Transunion, I cant get a free report without using my credit card.Also, If i want to dispute past transunion reports online, transunion dispute page says its unable to dispute at tis time.This has been going on for months.Not sure whats going on with Transunion but it seems there is a problem with there site.I can easily lg into XXXX, XXXX  and dispute trade lines with ease

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 2021-06-10
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:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS. ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE.I SENT A LETTER REQUESTNG THAT I WANTED TO SEE VARIABLE PROOF OF THE FOLLOWING ACOOUNT THAT I HAVE NOT RECEIVED. I HAVE DISPUTED 2 TIMES. ALL THREE BUREAUS ARE IN VIOLATION ON 15 USC 1681B. XXXX XXXX XXXX {$27000.00} I HAVE BEEN DISPUTING SINCE XX/XX/2021 ACCOUNT NUMBER- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Optio Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was imitated as a bumbling monkey, and mocked for being honest and trying to solve the problem. The lack of professionalism and respect for what my ancestors sacrificed in order for me to be free shouldn't be minimized or disrespected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never in my life had a contract with financial Data systems and they are reporting medial debt on 3 accounts in my credit and it is threatening the integrity of myself and affecting me getting approved for a home to put my family in! This is horrible please help me with this fraudulent matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2023-06-16
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: Americas Car-Mart, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They want listen nothing u say one lady who have my friend account she is rude to him I have her fuss at him at and that not rite that bad customer service he tell he be trying and she be saying that not my problem she gave smart mouth his account so now they kept reporting to credit people when he told them come in get it cause he lost his job. Its just to much gone on down there. They tell u anything need new people in there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX are reporting double accounts for the same amount. One account from XXXX XXXX for XXXX and the same account being reported by XXXX XXXX XXXX XXXXXXXX for XXXX. And this amount twice/ {$81000.00}, and this amount twice/ {$30000.00}. 

In Essence, I only have one loan with one servicer, but it is being reported to my credit report that I have two servicers, and two loans. Six loans total, which is inaccurate. 
XXXX x XXXX XXXX x XXXX XXXX x XXXX Please have them correct this error as it is negatively affecting my credit score and XXXX, thus causing me to not qualify for much needed loans, and a mortgage I am trying to qualify for. Therefore causing me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}

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 2022-03-21
Company: SYNCHRONY FINANCIAL
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Synchrony Bank failed to notify customers about changes in its new transfer limits ( for inbound and outbound transfers ). 

According to a bank representative : " the inbound funding limits for all products is {$500000.00} per customer. '' While the outbound funding limits for all products " will depend on the tenurity of your balance to your account, the minimum amount for outbound transfer limit is up to {$25000.00} daily. '' In the past, I have previously transferred ( outbound ) more than {$25000.00} daily without any issues. Now, I no longer can transfer more than that amount. 

Synchrony Bank failed to send letters or post the new transfer funding limits policies on their website informing its customers. Has a Synchrony Bank customer I have now incurred additional unnecessary expenses because the bank failed to communicate said policy changes. 

I requested the bank to share with me its new policies and to post them on its website and the bank did not share all the details about its new policies and only agreed on passing my feedback to its manager. 

I need to withdraw more than the new daily limit and Synchrony Bank is refusing to help 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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}

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 2023-10-03
Company: ALLY FINANCIAL INC.
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted a representative on XX/XX/XXXX to change my due date, requesting the first payment to be due on XX/XX/2023. The representative agreed to this change. However, on XX/XX/XXXX, I received notification of a derogatory mark on my credit report. I reported this incident multiple times to Ally and requested them to review the recorded conversation. They promised to get back to me but never did. I also disputed the derogatory mark with my credit bureau, but Ally refused to remove it. As a result, my credit scores plummeted from XXXX to XXXX. My husband and I have a long history of responsible financial behavior with no late payments for over 8 years, and this situation is severely impacting our finances, leaving me extremely frustrated.

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 2023-06-16
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, 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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Menards ( Capital One ) store credit card Credit card company drafted out of my checking account XXXX more than what was owed. When I called to get a refund I was told that it would take XXXX weeks to get payment. 

So very wrong - They will be sitting on my hard earned cash for 3 months collecting interest and not paying interest back to me. ( They charge me 25 % if I owe them money ) This is so wrong - Where is the consumer protection with these credit card companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a money market account with First Citizens Bank for over 14 years. This year I decided to move my money to an online account that paid a MUCH higher interest rate.

First Citizens was paying 0.05 %. The online bank was paying 1.85 %. I transfered money from First Citizens to XXXX XXXX in three separate transactions between XX/XX/XXXX and XX/XX/XXXX. XXXX had charged me {$3.00} per image fee so I left {$570.00} in the XXXX account to make sure I didn't close it owing them any money.

I opened my XX/XX/XXXX/XX/XX/XXXX bank statement. On an average balance of over {$31000.00}, they paid me {$1.00} interest. THEN they subtracted {$3.00} for what they called an image fee AND another {$10.00} service fee because my balance was now {$570.00}. This was the straw that broke the camel 's back and I went online and was told could close the account online. This was after bank hours either XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was told to expect a check in about a week. On or about XX/XX/XXXX I called XXXX XXXX   and was told by a male employee ( did not get his name - was a very short XXXX  syllable name ) who said the account had been closed and to expect a check soon. I waited about a week and called the bank back. I was told this person no longer handled matters like this. I asked to speak to a bank manager who was no help. I looked online and found the home office - which I called. Again I was told the account had been closed and that the check was on its way. Again - no check. I called the home office again and spoke to XXXX  who said the account was just closed on XX/XX/XXXX and the check was mailed on XX/XX/XXXX and that I need to give it 7 to 10 business days to get here. XXXX said the information she gave me came from XXXX. A few days later - not being so trusting anymore - I called the home office again and spoke to XXXX who also said the account was closed on XX/XX/XXXX. Now at last, I was getting the same story twice in a row.

Now - I get my XX/XX/XXXX/XX/XX/XXXX statement. My account is now closed. It was closed before XX/XX/XXXX. There is a copy of a check made out to me in the amount of {$570.00} included in this statement. The date on this check is XX/XX/XXXX But how can this be? I was told the account wasn't closed until XX/XX/XXXX That was 45 days ago. I need your help - someone is giving me the run-around or so it would seem. Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 non-monetary relief