BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Currently have 2 private student loans, and I do not like the manner in which Navient tracks the payments. A couple of weeks ago, they began changing the payment amounts and which loans my payments were being applied to even though we have instructed them how to post the payment. We believe that issue is fixed, again, however today at XXXX XXXX. I went to validate my payment was posted ( as I validate all payments ) and was posted properly, when I noticed that payments were applied, yet the total overall loan balance did not reflect the payment. We have consistently struggled with Navient 's payment processing, but this is frustrating to make large payments every week, and see issues with the posting of these payments. 

On XX/XX/XXXXXXXX   there is a snapshot of the weekly loan payments of {$700.00}, as well as loan balance is {$31000.00}. Payment posted on XX/XX/XXXX. 
Today XX/XX/XXXXXXXX  there is a snapshot of the loan and loan payments, and you can see that payments were applied, but the loan balance never changed to reflect the payment until after XXXX XXXX. Payment posted on XX/XX/XXXX. Balance at XXXX XXXX. was {$30000.00}. Balance at XXXX XXXX was {$30000.00}. 

I knew the balance was incorrect since XXXX  {$700.00} payments were made since XX/XX/XXXX and because I follow these loans closer than I do anything else. Why are individual payments being posted, yet the overall loan balance does not reflect the payment? How many times a week are we expected to monitor and babysit these loan payments and how they are applied? Is this being done on purpose to keep payments coming in? Was going to call in to Navient to discuss, but didn't because its always the same old scripted response. Its so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: LA
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:
you are in direct violation of the fair credit reporting act XXXX XXXX XXXX Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them 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 2021-03-17
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Today, XX/XX/XXXX, I logged on today to pay my Capitol One credit card. They said they needed proof that it me logging and said they had to send me a code to one of the two numbers they have on file. Both of these were numbers i canceled at least 10 years ago. I am sure they have my current number already, as I have had this credit card since XXXX. I tried to add my new phone number and the system said it couldn't accept it as mine because it failed a verification. Then they told me to take of photo my my driver 's license and send it to them. I thought this was odd and declined. Then they asked me a bunch personal questions to verify my current phone number and this was successful. Then I requested the code to my current phone and I didn't receive it. I requested it again and again and didn't receive it. Then they said they would a send me a temporary password and I never got that either. After 45 minutes, I gave up and hung up to punch the wall and scream. When I called Capitol One again, they didn't accept the last four numbers of my credit card even though I was reading it directly from the card, they said it was not my card. I was transferred a total of 7 times to various departments. One person told me a customer service agent had typed my phone number into the system incorrectly and that it why was I was not receiving texts. He went through the verification process with me again and corrected the error, putting my correct number in the system. Another code was sent to my phone and I still didn't receive it. The technician asked me what phone carrier I had. I said XXXX   XXXX. He gasped and said XXXX  XXXX does not allow texts from Capitol One through to their customers. He said there should have been an option to have a code texted to me by email but there was not. He said he could not assist further. I am unable to pay my bill. Total time attempting to pay bill 2 hours 25 minutes. Yes I did verify if it really was the authentic Capitol One I was calling. My name is XXXX XXXX. last four of the VISA are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-22
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Me and my husband have a XXXX XXXX card that is not showing on my XXXX   account, and I also have a Citi Bank card not showing on my XXXX 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 2023-06-05
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:
This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: MS
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark.

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using 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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion has failed to remove a collection account that is reporting inaccurately. I have since contacted the company and they have agreed to remove the collection account. Both XXXX and XXXX have removed the collection account. Transunion is in violation of the FCRA for the continuation of furnishing incorrect data. I will attach my credit report to show the incorrect information and to show my current report where Transunion is the only bureau to report this information. Please remove the following account within 15 days XXXX XXXX ( Original Creditor : 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 2023-05-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just have received a Debt Collection letter from the company called MIDLAND CREDIT MANAGEMENT, they said I owned {$1500.00} for XXXX XXXX and I will be suited if I do not paid in full by XX/XX/. However, I received this letter was on Tuesday which was XXXX 

The most important thing is, I do not identify this amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: MN
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:
Equifax is not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of these accounts and have never received any communication from the bureau to show that my requests are being looked into. My most recent credit report shows the following accounts are UNKNOWN no creditor information is listed and these accounts are also showing not in dispute, when in fact they are in dispute. The accounts are as follows : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureau to fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX is improperly reporting negative items to my account, the account was a prepaid account in which I paid upfront and used fraudulently.

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 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX XXXX XXXX XXXX never gave XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft

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 2023-01-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. I have also reached out to XXXX and requested Original documentation signed by me, the consumer, and to date, they have failed to do such. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a Venmo account a year ago and just used it for the first time a week ago. I was sent {$600.00} dollars. I linked my bank account to the Venmo account and went through the 24 hour confirmation period. Once I tried to transfer the {$610.00} ( there was a {$10.00} promo credit in the account ) they immediately froze my account. They would not tell me why. I emailed customer service and was told someone would email me in 5-7 business days. That is unacceptable as they are holding the funds. I called three business days later and was told again someone would have to reach out to me, but it has been expedited. I am now on the sixth day since the funds were put in my account with any explanation as to why my account and funds have been put on hold. I view this as fraud on the part of Venmo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today XXXXXXXX XXXX I received a link from credit karma. It stated my Trans Union disput had been completed and verified by XXXX XXXX XXXX I called XXXX XXXX and made them aware of XXXX XXXX had placed incorrect data. The had been made aware I could not afford the new rent prices. was going to move out before my lease was up. Move in XXXX XXXX XXXX XXXX XXXX. Made XXXX manager XXXX was aware and worked with me to prevent any negative actions. 
After speaking with repersentative she assurred me all the information requested allowed any derogatory information from my account. By it being placed wrongfully and having had a negative impact. It would be removed. I had to allow for her to take a dollar from my XXXX account. I told her I had copy of XXXX XXXX  XXXX death and social security letter showing loss of XXXX XXXX  benefits. 
The next thing I recall was her saying the fee of XXXX would be deducted from my account and she was canccelling the monthly fee of XXXX. 
I

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 2023-10-12
Company: MOHELA
State: NY
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, my loan servicer, has given conflicting information about when my loan forgiveness form will be processed and when my loans will be XXXX. The site says 30 days and one representative told me two weeks. Another told me 6 months. This is very time sensitive as the well being of my family depends on my loans being XXXX timely. I am also pregnant and this is causing me stress and affecting my ability to take my maternity leave. Although it is fully documented that i have XXXX payments, i dont fully trust that Mohela will live up to their promises given their numerous miscommunications and failure to respond to emails which they say they will respond to within 3 days. Therefore, i am hopeful and would appreciate the CFPBs assistance in resolving this issue in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2023-01-14
Company: MOHELA
State: IL
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:
I have been paying my student loan for over 10years. I have had direct student loans and submitted a public service loan forgiveness application multiple times for XXXX public schools and XXXX police department. I am requesting that my payments made to my previous providers be counted towards my loan forgiveness. XXXX, XXXX XXXX, XXXX etc. my current provider is Mohela. Its been related to me via Mohela Representatives that my current count is XXXX of XXXX. That is inaccurate and I am requesting that the adjustments be made. Thank you for expeditiously expediting my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Navient Solutions, LLC.
State: DC
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:
On XX/XX/21 I made online payments to my student loans held by Navient. I selected the option of specifying the amount paid on each loan separately. I paid a total of {$570.00} dollars to Navient. This amount was posted to my checking account on XX/XX/21. On XX/XX/21, I received an email from Navient stating that I had paid {$430.00} and that two of the loans I had paid, still had balances due. Neither this email, nor my account information on their website showed the additional {$140.00} that I had paid in. I contacted Navient, and they were unhelpful. I contacted my bank and reported this payment to their dispute resolution department.

Company response to consumer: Closed with explanation