BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, In response to your previous response to my most recent complaint filed on XX/XX/XXXX, you stated that you have recently settled two lawsuits relative to discharged non-qualified private student loans. You also stated that I was either not apart or not included in any of those lawsuits. Therefore, you stated that I am still obligated to pay on a debt that I have proven beyond a reasonable doubt is in fact a non-qualified private student loan. The lawsuits that are above mentioned either were filed while I was actively in my Chapter XXXX bankruptcy ( i.e. XXXX ) or when I had just received a discharge order, which was at the end of XXXX. At that time, I was unaware that my private student loan was dischargeable. Your response does not change the narrative of my circumstances. You are clearly in violation of current bankruptcy law by continuing to collect on my non-qualified private student loan. I will continue to file complaints every single day if that is what I have to do. I am only asking that you do the right thing and please cease collections on my loan and refund me what I have already paid since XXXX. This is also what the CFPB bulletin regarding unfair billing practices dated XX/XX/XXXX is calling for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
We have disputed this item three times through the bureaus because the account should have never been charged off, it only went late. Every time I call in, they verify it never charged off. However, when my mortgage company called to rapid rescore it and get the correct information, XXXX XXXX   claimed it was charged off. However, every time I talk to them, they assure me it never charged off. They state it should have never been reflected as a charge off. I asked why they couldn't just fix it and they stated I needed to send in a personal letter via fax and it would take 30 days to get a response. This is unacceptable because I have already tried 4 times to get this resolved. They say they record all phone calls so they should be able to pull up phone calls and verify it never went to charge off status.

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 2023-02-17
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela sent me a message saying Ive been removed from my income driven repayment plan and as a result will no longer qualify for PSLF because I did not recertify my income and put my payment amount at almost XXXX a month and back on a standard plan. This is completely inaccurate and is causing me mental anguish. No one was required to recertify during the pause and no is required to certify income at this time. Mohela refuses to correct their mistake and insists I need to recertify and thats the only way this can be corrected. Mohela is causing me unnecessary stress by giving false information and completely screwing up PSLF. 

I want to be placed back on my correct payment plan that I had with XXXX before the transfer. I want Mohela to do its job correctly. This is disgusting and scammy behavior by Mohela and Im sure this is happening to other people and cashing needless stress and panic. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NJ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
XXXXXXXX XXXX XXXX XXXXXXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
Company: Experian Information Solutions 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:
it was supposed to be {$300.00} credit limit they only gave me {$75.00} they messed up my credit bad

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 2023-03-16
Company: EQUIFAX, INC.
State: MI
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:
The three bureaus XXXX, Equifax, XXXX have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the Eastern District Court Of MICHIGAN U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX I submitted a complaint to XXXX that I noticed my score dropped XXXX  points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted XXXX via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from XXXX, I called them to find out what happened, but they said the case number I received from XXXX by email was not valid and must have been from a different part of XXXX which they could not identify. There answer at XXXX was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with Experian on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XX/XX/XXXX when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX points on XX/XX/XXXX was because there are 5 closed accounts listed on my credit report. I informed the Experian employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from XXXX to XXXX at one time would be a Bankruptcy. 

I submitted a complaint electronically to XXXX on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.

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: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
please review the attached documents. I urge the bureau to commence an investigation into these accounts, as they incorrectly label me as late despite my timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjusters just reported a {$430.00} collection account on my credit report. Prior to the appearance of this account on my report, we did not receive a 30-day notice to dispute, which is required under the Fair Debt Collection Practices Act. We have left messages with this collection agency to find out why they did this, but they have not returned our call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle was repossessed XX/XX/XXXX. American Credit Acceptance sold vehicle XX/XX/XXXX. Account was charged off XX/XX/XXXX. Interest was accrued from XX/XX/XXXX to XX/XX/XXXX. Charge off amount is incorrect. Loan with accrued amount was XXXX and sold on XX/XX/XXXX for XXXX. If the charge off was on XX/XX/XXXX. Then it should be for the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-01-03
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 SENT LETTERS IN FOR TRANSUNION TO DISPUTE UNRECOGNIZED INQUIRIES THAT I DON'T HAVE NO ACCOUNT ATTACHED TO THAT INQUIRIES, I ASK THEM TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT AND THEY STILL HAVEN'T REMOVE THEM. 

PLEASE REMOVE THESE INQUIRIES 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 2020-06-08
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Twice, I have requested The Huntington National Bank to remove the credit inquiry from my credit report even after I provided everything they requested. As of today, the credit inquiry has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I sent out certified and notarized written correspondence to Equifax demanding that they remove all accounts that were illegally reporting and all accounts that were not consistent with the same accounts listed with other credit reporting agencies. Equifax has failed to remove these items and continues to report this wrong and illegal information. It is the discretion of the consumer to what should be reported on the consumer report and Equifax fails to comply with my requests. I have sent in print outs of all 3 consumer reports highlighting the accounts that were inconsistent and none have yet to be cleared. I have attached a copy of my XXXX consumer report showing that XXXX has complied and deleted the requested accounts. Equifax must follow suit or face litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.

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 2023-09-19
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing this complaint with regards to a charge of {$640.00} on my Credit Card account, related to a transaction with XXXX XXXX on XX/XX/2023. 

On XX/XX/2023, I received a call from the district manager of the XXXX XXXX store ( XXXX ) in XXXX, NY where the incorrect tires were installed on my car without my knowledge or consent. I was pleased to hear that the district manager fully acknowledged the error by his store and agreed with me that I should not be held responsible for the cost of incorrect tires placed on my vehicle, given that they were installed without my knowledge or approval.

Additionally, I was informed by the Store Manager that the employee responsible for the " bait and switch '' tactic has been terminated by the store. This action further reinforces the acknowledgment of their mistake and strengthens my case against the unwarranted charges for wrong tires.

As the representative of the store, the district manager recognizes the merit in my complaint and shares my concerns regarding the unauthorized transaction. Therefore, I kindly ask that you proceed to close this dispute in my favor, as I believe it is evident that I should not be held liable for something I neither requested nor was aware of. 

Last, but not least, attached please find XXXX XXXX response to XXXX XXXX XXXX on XX/XX/2023 supporting my conversation with XXXX, the XXXX XXXX District Manager that I've described above, and the company 's care and support for my concern and request for a refund. 

Thank you for your attention to this matter. I remain hopeful for a swift and fair resolution to the dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Sunday, XX/XX/XXXX about XXXX I received an email informing me that Square is closing both my checking and savings account due my business being high risk. Im a grass mowing business and all I did was purchase stamps from a local supermarket to send out invoices. 

That isnt my main complaint though. Square can keep their service. 

However ; I have 9 checks from my customers that was expecting to transfer into my account that week into the early part of the following week. 

I want to know the following information about these checks ; 1. ) Did they clear? 
2. ) Will they be added to my current checking balance of {$180.00}? 
3. ) Were they rejected and returned to the issuer? 

Ck # XXXX for {$33.00} deposited on XX/XX/23. 
Ck # XXXX for {$220.00} deposited on XX/XX/23. 
Ck # XXXX for {$38.00} deposited XX/XX/23. 
Ck # XXXX for {$150.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited XX/XX/23. 
Ck # XXXX for {$66.00} deposited on XX/XX/23. 
Ck # XXXX for {$12.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited on XX/XX/23. 
Ck # XXXX for {$25.00} deposited on XX/XX/23. 

These 9 checks total {$740.00}. 

Im also simply adding the current amount of my Square Saving account so that theres an official governmental document stating the exact amount. Which is {$5100.00}. ( My trust in your institution is non existent after you pulled this stunt. ) Lastly, I want to know exactly what caused my account to become flagged as high risk. And if you can not provide that information I want my funds to be unlocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
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, has violated rights. 
15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation