BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted to set up auto payments with this company and they have cancelled the payments without notifying me. Then when I call to check on the status of my account they tell me that the account is in good standing. A few times I have called to be told that they do not see any concerns with my account at all, only to find out later that that account has actually been sent to the " claims '' department to be forwarded towards default and collections. The representatives hang up on me or drop the call when they say that they are transferring me. I call and am frequently transferred multiple times when there are only 2 departments. I have spoked to 6 representatives in one phone call and received different answers from each of them. When I start to get frustrated, after going around in circles for over 40 minutes, they will disconnect the call. 

They are disrespectful and do not care about helping me at all. The phone calls that I have now found out have been coming from them, come up as a likely scam call on my caller ID. When I have answered these calls the representative on the phone will not identify themselves as being associated with Navient unless I provide them with my personal information first such as DOB and full legal name. Which I will not do for an individual that I do not know and comes up as a suspicious number. I am tired of dealing with this company. I try to set my account up on auto payment plans but they want to punish me for trying to get a higher education instead of just take my payments. 
I have also asked to not receive these phone calls during certain times of the day due to my employer having a zero tolerance phone policy. Even when I step outside to take these calls at the risk of losing my job the representative will not work with me. Will not answer my questions, will not confirm who they are associated with, will not advise me of any information. Instead they just demand personal information from me, they can lobby insults at me and sneeringly call me names when I refuse to give them my information until they identify themselves and the company they represent. So often they will just terminate the call. Side note : the questions I am asking do not break HIPPA. I work for a XXXX XXXX company and handle confidential and private information on a daily basis. They are being unreasonable and hiding behind exaggerated legalities to excuse and justify their deplorable behavior. 

They have also started calling my friends and family in order to get in touch with me. They are mean to my family, they have accused them of lying and will deliberately call at times that they have been asked not to call at due to the risk of my family losing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: I.C. System, Inc.
State: GA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Several of my accounts are paid in full ; per the letter attached. The total amount paid off was {$47000.00}

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 non-monetary relief
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: TN
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:
My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. XXXX XXXX has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because XXXX XXXX still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from XXXX XXXX. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: AMERICAN EXPRESS COMPANY
State: IN
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/2021 someone applied for 3 different credit cards. XXXX XXXX, American Express and a 3rd that I can not remember. This was not me and I need them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-07-11
Company: Specialized Loan Servicing Holdings LLC
State: GA
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 wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r 1XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXXXXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with XXXX and XXXX XXXX and they removed this SPECIALIZED LOAN SERVICI info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name SPECIALIZED LOAN SERVICI Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA

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 2018-10-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Over two phone calls, I asked Citi associates to remove a large amount of interest acrued over 18 months of my unemployment, totaling {$560.00}. I did not ask for all the {$560.00} to be removed, as I understand they are a business.

A. But I am basically have to pay {$560.00} because I was unemployed. I am not doing that. That's ridiculous. That was 1/4th of my total balance. What? 

B. I have made two payments of {$1400.00} ( XX/XX/18 ) and {$840.00} ( XX/XX/18 ). 
I am not running from my debt. I am paying it. 
I am simply asking Citi to be reasonable about forcing an unemployed person to pay {$570.00} worth of interest, which at the time was 1/4th of my account balance. That's ridiculous.

C. I have shown good faith and paid the majority of the account. I did not go bankrupt or let my account go to collection agencies. Citi got their money back.

D. I have called Citi card twice to attempt to get them to be reasonable. I was shut down both times. I called their Client Resolutions phone number, as that's the department that deals with unemployed customers. They did not want to help. 

I want fair resolution to this matter. 
Please 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 explanation
Consumer complaint received 2019-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PORTFOLIO RECOVERY has been informed of the police report. Fraud and identity theft occurred under my name. They continue to report to credit reporting agencies violating the rules under section 623 FCRA as the data furnisher is legally required to provide 100 % accurate information in order to report any data under anyone name. They haven't provided 100 % accuracy and continue to verify to the credit bureaus a debt that was involved in fraud and identity theft. 


Police report - # XXXX can be retrieved by the furnisher from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2023-02-08
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.

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 2020-09-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY WALLET WAS STOLEN THESE ACCOUNTS ARE NOT MINE. 
I NEED THEM REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor : XXXX, Account : XXXX Reason : Last active dates are inaccurate between all 3 bureau 's. please delete. Late payments are not correct. I am not 60 days late on this account. That's inaccurate and needs to be deleted. I was Never late

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 2019-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian placed a fraud alert two days after I had one removed from XXXX. I did not place a fraud alert with either agency. XXXX removed the alert immediately upon me contacting them to do so. When I called Experian to have it removed I asked why was a fraud alert placed on my report without my authorization. They claim because XXXX  was reporting they would do the same. I explained to them that XXXX already removed the alert and that they should please do the same. That was on XX/XX/XXXX. I mentioned how imperative that they so because I have a closing on my new primary residence on XX/XX/XXXX. The man that took my information said that I answered the security questions incorrectly and that I would have to upload proof of identification. This is after I already proved my identity with ss # DOB, Current address, and previous address and employer and phone #. As you can imagine I became very irate and demanded that this alert be removed from my credit report. I then complied on XX/XX/XXXX with a letter and copy of my driver 's license and uploaded to their website. The information was received by then on that date. I called back today to inquire about and get an update on my status since my lender has informed me that this is the only thing keeping me from getting my clear to close. So explained that to the person who answered my call today and to please remove this fraud alert. I called in today and explained this to them that this was happening and I was hung up on 4X '' s. This is unacceptable and when I finally was able to speak to someone the man I spoke with said that they still did not receive my documents needed to remove the alert. As you can imagine I lost my cool and explained how this could possibly be. I really feel that they are playing games with me and making a mockery of me because I called out a few of there employees on how unprofessional they were. Can you please into this practice by Experian and see if it's on going problem. This could cost me several thousand dollars if I am not able to close on time. Since the seller is leaving the country for 3 weeks on 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 non-monetary relief
Consumer complaint received 2020-02-03
Company: Conn's, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went to the Conns store to purchase appliances. I decided to finance the products with their card. It was not until AFTER my credit was checked that I was told about a {$100.00} processing fee and a fee for possibly loss of the appliances. I am not sure why this is required as I have home owners insurance should the items be stolen. Had this been told to me prior to agreeing to the inquiry on my credit, I never would have allowed it. This is unscrupulous and predatory lending. I understand I could have backed out at that point ; however, the inquiry was already made and I did not want an inquiry with a trade line associated added to my credit report. Additionally, when the appliances were delivered, the delivery people took my front door of the hinges and it has never been the same. When they left and I attempted to leave, the door came off in my hands. Yes, they came back to fix it but it came off again they had to make another trip out. The driver stated that my door only had 2 screws in it. That is not true and when he came off a couple of days later, I had someone that I had to pay come out and they said there were more in there and they didnt put it back correctly. Additionally, when I received the merchandise it was dented in a few places and I was told that some money ( well over the {$200.00} mark ) would be taken off my account ; however, it was not and that is not enough for the dented merchandise. I am completely dissatisfied with the service and the lending practices they use to get people. They should never been allowed to lend or at least be made to advise of ALL fees before pulling a credit report.

Company response to consumer: Closed with explanation