BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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 been having problems with Experian for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : 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 2022-11-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I placed XXXX disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a XXXX party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through XXXX XXXX. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or XXXX XXXX. There for both are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Navient Solutions, LLC.
State: IL
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:
My Navient student loan did not go into forbearance as it should have with the coronavirus quarantine. Instead they harass me and my parents on the phone constantly ( I am XXXX years old and my parents did not co-sign my loans ). I believe they are illegally charging me fees and interest during a time when the loan should be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AES/PHEAA
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:
On XX/XX/2017 my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX  and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/2017 the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX  XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/2017 they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am being harassed by Navient, although I received approval for debt relief from the Federal government, which is unfortunately on hold due to a court order, however, I received an email on XX/XX/XXXX from XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX serviced, but yet still being harassed for payments by Navient. Navient made claims that I was not eligible for debt relief, only Direct Loans were qualified, however, I did receive an email confirming I was approved prior to the court issues. When I told Navient to stop calling to only communicate to me by email on XX/XX/2023, I still continue to get calls, and now calls from another number but still XXXX XXXX XXXX twice on XX/XX/2023, and again on XX/XX/2023, it was Naivent calling and harassing me, when I repeated to no longer call me, the person on the phone continues to ask me for payment and would refuse to listen to my request for no phone calls. Can you please assist me or how this company can be reported and prevented from calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I was promised an " INSTANT CREDIT SCORE BOOST '' AND NEVER EVER EVER RECIEVED ONE FROM " SELF '' ..I last used the card in XXXX of 2022 and each month i am charged a " purchase interest fee '' of anywhere from {$12.00} to {$17.00} IN ADDITION TO MY MONTHLY PAYMENTS. THIS company has my score at XXXX and is STILL TELLING ME " LETS FIX IT ''! Maybe if they fixed it AS ADVERTISED AND PROMISED I would have it fixed! This company has my score lower than ALL THREE CREDIT AGENCIES and their system rejects my AUTOMATIC payment ( LINKED TO MY BANK! ) when submitted THEN charges me A LATE FEE AND THE SAME PAYMENT THE NEXT DAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On Friday XX/XX/25 received a text message on my phone from XXXX. The message reads and I quote : Confirmed {$430.00} charged from your Acc for your recent purchase # XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX Contact XXXX if you havent made a this. 
I did not respond to the message the phone numbers are not familiar, and I was afraid this was some type of scam. I made no such purchase. I checked all my bank accounts and credit cards and found no match to this purchase. However I did notice while I was checking balances that my Capital One credit card had several new purchases I had not made. In fact, I had received notification 6 months ago that my credit balance was to be lowered as I had not used the card in some time. 
Purchases included {$350.00} dollar purchase for XXXX XXXX I have not used in 2 years and several for XXXX that I know nothing about. I called Capital one and my card has been discontinued and will be issued a new one. They are also launching a fraud investigation. 
My concern is : how was my card accessed? 
I also received 3 weeks ago a text message stating my pre-paid XXXX card was ready and to click on a link to access. Again had no knowledge of this so I deleted the message. 5 days later I received a text that my Unemployment benefits would not be available to me any longer if I did not utilize my pre-paid XXXX card. I panicked I deleted the message. But now I wish I had not. 
No I have not applied for unemployment I work full-time. No I did not apply for a pre-paid XXXX card for myself or anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # 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.

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 2022-04-08
Company: Experian Information Solutions Inc.
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. It's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2023-10-16
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I tried to cancel a month to month membership with XXXX. I called the XXXX NJ location in XXXX where I purchased the membership for my grandson for XXXX. I was told I couldnt cancel it there because at the time there was no head manager. I cant remember his exact title. I was told I could go to another location but the closest one is a half hour away. I called their customer service number and they told me I would have to print out a form ( I dont have a printer ) and mail it to them. At that point I reported my Venmo credit card lost in order to get a new card number believing this would stop the charges. On XX/XX/XXXX I saw a pending charge for {$47.00} from XXXX. I called Venmo and told them I have a new credit card so how could I get charged when XXXX  doesnt have the number. I was told because it had been a recurring charge I still had to pay it unless the merchant stopped charging my card. I told them this was a month to month charge and I tried to cancel with the merchant. The Venmo supervisor kept calling it a subscription and I kept correcting him explaining it is a month to month payment, the merchant has no paperwork authorizing this payment for a specified time period and they had no right charging a card that the merchant was never authorized to use. They told me basically too bad and I would have to keep paying and disputing the charges until the merchant stopped charging my card. They also informed me that I may not win the dispute. I realize that the credit card company gets a percentage of every charge so they have a financial interest in continuing to process these charges. I feel this is a fraudulent practice and payments should be stopped if the merchant doesnt have the new card number. This practice should be illegal for credit card issuers or they should have to stop the payment once they are notified by the customer.

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 monetary relief
Consumer complaint received 2023-10-16
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I explained this was from previous home owners they came and picked up the equipment Never signed a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
After Bank of America closed my account my business account for an account they found out i didn't open. They wasthe main source frome over XXXX other accounts payments! And when i asked for a personal/business loan, they denied me credit and denied me loans. Discrimination because for XXXX ive been a loyal banking customer! Hard tomes hot after XXXX and i couldn't get no assistance nor contributions at all! 
XXXX that really hurted me, my pride, and how my kids and family looked at me as a man and being a private business owner!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$500.00}

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, NXXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.

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 2023-10-16
Company: NAVY FEDERAL CREDIT UNION
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:
I recently received a copy of all my credit reports from XXXX, XXXX or XXXX, andI also noticed that there are additional credit inquires for a company I do have accounts with Navy Federal FU I have 4 open accounts dated : XXXX, XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. As for these dates no accounts are open, all open accounts with company dates have inquires listed which are the four I only have knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Certegy Holdings, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I attempted to cash a {$100.00} check twice. They were the same check. 1st attempt was on XX/XX/XXXX and the 2nd attempt was XX/XX/XXXX. Each attempt was an automatic denial. To clarify, this was the same check wrote out to my husband and I from XXXX XXXX based in California. Ive never been denied cashing a check until this point. I am confused as to why I was denied. The reps over the phone was not of any assistance. This experience is beyond humiliating and discriminatory. I ordered my report from certegy in hopes of getting more information. I received my report by mail. The reason for the decline it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. My husband was with me on my 2nd attempt and he was able to cash this check without issue. Each location I looked I was looked at as if I was a criminal. There is no record of a bad Check I presented to any place, ever. There was nothing listed under my outstanding items according to certegys report. Certegy provided a list of places I was able to cash checks earlier this year and in XXXX. I fear if I have to cash a check going forward I will not be able to and will be subjected to sane issues. My name needs to be cleared or I will sue them. Who Certegy to determine who can and can not cash a check? I understand if I had history with fraud and unsatisfactory check cashing experiences but there is nothing on my record. I even pulled a report from XXXX XXXX and still nothing. This is outright discriminatory and inconsistent.

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 2023-10-16
Company: LJ Ross Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking my credit history/score online this evening, I discovered that L J Ross Associates , Inc is seeking to collect {$220.00} due to XXXX XXXX . I owe no such amount, and I have never heard of L J Ross Associates , Inc . I have not received any correspondence from them, I have not had any attempt by XXXX XXXXXXXX to collect a debt. Their debt collection on file is hurting my credit history, and is absolutely false. I owe {$0.00} to XXXX  XXXX. I confirmed this by logging into my account and checking... I have a {$0.00} balance due. They are my current utility provider. I owe {$0.00}! I want this debt collection immediately closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2023, an official request was made to Carrington Mortgage for the payoff amount of a home loan. That request was sent to me via email that day. I then forwarded that information to my attorney, who then forwarded it to the title company for closing. The closing was XX/XX/2023. I received a call from the title company today, XX/XX/2023, to inform me that Carrington Mortgage declined the wire transfer to pay off the loan. I then called Carrington Mortgage and was informed that an email was sent to me on XX/XX/XXXX, to reflect an addendum of an additional {$3100.00}. I informed the supervisor that I never received any communication reflecting a different amount. The supervisor informed me that there were two additional documents emailed to reflect two different payoff amounts. I informed the supervisor that I never received an email indicating these changes in payoff amounts. I also expressed that my concern about this information being negatively reported to the credit bureaus. The supervisor said there was no wrong doing on their part and there was nothing he could do. I immediately wired the additional funds ( difference between the three different payoff amounts ) to the title company so that the initial wire transfer could be released for payoff. This action is unfair to me as a consumer because I requested information and was given incorrect balances three times. The negative reporting to the bureaus for delinquent payment will negatively impact my ability to purchase my new home, which I am currently attempting to do.

Company response to consumer: Closed with explanation