BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have owed student loans since XXXX. The total originally was around 50k. Over the years I have been offered forbearance for my loans that resulted in a much higher balance. Originally I was with Sallie Mae and then was transferred to Navient. I feel that Navient failed to help me with options that were available to me and would have helped me throughout the years. In XX/XX/XXXX-XX/XX/XXXX I was having a horrible financial time and Navient could have offered me the IBR plan but did not help me with this option or properly help me seek this option. In XX/XX/XXXX I  applied and I was actually denied the plan even though I qualified. I feel that Navient made it difficult to be set up on the IBR but very easy to be placed in a forbearance. I was so unhappy with Navient and at some point I was contacted by a third party that offered me the IBR plan and explained it to me. This third party said i needed to transfer to XXXX  XXXX XXXX in order to be able to take advantage of the IBR plan because Navient did not allow it. As a result I have been on the IBR plan with XXXX XXXX for a few years now. My payments are affordable and I have not seen an increase in my principle as I did for so so many years. Due to the Navient and Sallie Mae multiple forbearance and high interest I currently owe XXXX and had I been on the IBR plan when it was first implemented back in XX/XX/XXXX I would not owe so much interest and so many more years of payments. 

Also, Navient was evaluating my situation and said I did not have to worry about the late payment and they ended up hitting my credit with a 90 day late. This is still on my credit. 

If I could please join the lawsuit I feel I am a good candidate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Account information incorrect

Complaint:
According to sec 611 ( 15 u.s.c. 1681 ) i and metro 2 compliance standards I have the right to challenge all inaccuracies and deficiencies of reporting. The information that is being furnished was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: WELLS FARGO & COMPANY
State: AZ
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:
My husband and I filed for bankruptcy in XX/XX/XXXX. A credit card account we had with Wells Fargo is showing a balance of over {$14000.00} with all three credit reporting agencies. These reports imply the account is still open and that we are still responsible for it, when in reality it was discharged in the bankruptcy. I spoke with four different individuals at Wells Fargo on XX/XX/XXXX concerning this matter, and one of them finally admitted the account was indeed closed, but that it had to remain as open on my credit report for 7-10 years. I am also disputing the actual amount they are saying we owed on this account.

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 2020-12-21
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
I have repeatedly contacted XXXX XXXX and sent in proof through varies forms of communication including email, mail, fax and have spoken to representatives that have refused to transfer me to a supervisor in the compliance department regarding a mistake in my payment history. I will once again provide evidence that states every excuse Ive been given such as : bank account number not existing, my bank unable to locate account number and my payment being set up incorrectly. I contacted my bank and they have sent me a written statement saying they never sent a payment to XXXX XXXX because none was requested. I will send in evidence in the form of a bank statement showing my bank account was open and active for the month Im disputing which is XXXX of 2020. I am sending an email confirmation of the payment being set up on time.

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 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XXXX XXXX XXXX XXXX I was charged by XXXX XXXX in XXXX 3 times the amount of what I was supposed to be charged due to the hotel clerk error. Instead of being charged XXXX XXXX  I was charged {$540.00} XXXX. 
I have submitted booking documentation with the amounts, amounts given by the hotel that should be returned and amount I was to be charged several times. Capital One either loses these documents or doesnt have employees who are able to understand foreign transactions and XXXX. 

Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-08
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less the 7 days! spoke with them again and still refused to verify, just stated that it was in dispute, but XXXX states other wise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX 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 2023-08-20
Company: Experian Information Solutions Inc.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX U.S.C 1681 section 602 A. States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts bel ow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Amount Date Opened XXXX {$17.00} XX/XX/XXXX XXXX  {$0.00} XX/XX/XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX for XXXX the XXXX XXXX XXXX. Advised months ago not to call me during work hours as my company will not allow me to speak with them then ( they can call after XXXX, eastern ) so instead, they looked up my previous credit information and started calling my mother 's number daily starting XX/XX/XXXX - XX/XX/XXXX ( who I have not lived with for years ) and then my husband, on XX/XX/18, neither of which is listed as a contact number or a debtor for the account. I spoke with them on XX/XX/18 and made a payment of part of the debt owed, and advised them on the call that I will contact them when I get paid again ( around the XX/XX/XXXX, ) I also asked them to not contact me again during business hours, and asked them to take my husband 's number and my mother 's number off the account, and was told my mother 's number was never on my account to call her, and they did not have another number on file. I received a " unknown '' call today during my work hours at XXXXXXXX eastern. I used to work in debt collection, I know that they can not contact a customer more than 1 time in a 5 or 7 day period in New York State, and this has been within 3 business days. They need to be able to provide the telephone number when calling, and not purposely avoid caller id features. I advised them again not to contact me during business hours on today 's call, and that I just spoke with them saturday. My mother advised me since then that she has received a call again today on XX/XX/18 from them after I advised them not to call her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: NY
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:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXX XXXX tools, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX us debt of XXXX XXXX XXXX XXXX XXXXXXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : 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 2023-07-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2023-02-25
Company: LFG Data Services Holdings, LP
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:
LCI Consumer center is in violation of the FCRA 623 ( b ) ( 1 ) On XXXX, XXXX 2023 I filed a dispute with LCI via certified U.S. mail tracking number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 LCI responded with an inappropriate stall letter in attempt to stone wall myself and avoid doing an investigation as the are required to conduct per the FCRA. LCI stated in their letter they could not validate my identity, I categorically state that is a FALSE AND MISLEADING ATTEMPT TO AVOID DOIND AN INVESTIGATION : 1 ) I enclosed a copy of my State issued driver license and a utility bill. 2 ) my letter was sent via certified mail from my home address. 3 ) my letter was personally signed by me. Enclosed is my original letter and information sent to LCI. SINCE LCI failed to conduct a proper investigation, within 30 days the following accounts must be removed from my file : BANKRUPTCY COURT IN FLORIDA Reference Number : XXXX filed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-08
Company: Credit Karma, LLC
State: MS
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XX/XX/2023 my husband 's paycheck was deposited in my account and the the company doesn't allow this because his name is not on account. They allowed us to withdraw from it first and then hours later locked the card. I was sent an email requesting documents to verify and they refuse to respond. I have since received my own paycheck and still can't have access to my money. I have sent more than XXXX emails with no response and I have called more XXXX times and they won't allow me to close the account or file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. also states a consumer reporting agency can not furnish a account without my written instruction.

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 2021-10-12
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Despite having my updated address ( I completed this online in 2020 ), Chase sent the attached notice to an address they knew or reasonably should have known where I would not receive it, particularly by the limited time to respond. So, over {$400.00} was sent to XXXX, which I now have to spend weeks, unpaid for my time, trying to track down and complete various forms to get money back. They also could have just credited my account. They did not. Staff confirmed they have two databases that don't talk to one another, so they did not look for my correct address in sending out the notice. I'm sure they would send overdue statements to the correct address, so why not a notice informing me that I was owed over {$400.00} from Chase?!! Their notice mailed in XXXX went all the way to the XXXX  address in XXXX and then ended up in XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation