BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am current a Naivent private XXXX XXXX customer. I received a Prequalified letter to refinance my student loan with XXXX a member of the Navient family of companies. The deadline to apply was XX/XX/2019. The letter only provided a website to apply. After confirming XXXX 's affiliation with Navient, I proceeded with the applying to consolidate two of my existing student loans ( with Navient and XXXX  XXXX XXXX ). I applied for the loan on XX/XX/2019. Immediately after completing the application, I received a rejection letter and statement I will be notified of the reason behind the decision. I received an electronic letter on XX/XX/2019 describing why I did not meet the eligibility requirements. On XX/XX/2019, I printed and reread the letter to discover the reason why I was denied did not make any sense. The letter stated I did not meet the eligibility requirements because my credit score does not meet the minimum criteria. My credit was mentioned on the letter as a XXXX. This information was collected from XXXX. I called the number provided on the letter XXXX to get clarification on XX/XX/2019 at XXXX pm central time. The male representative ( name unknown ) confirmed my identity and acknowledged my application. He also stated the call was recorded. I asked him to explain how my credit score did  not meet the minimum criteria. The rep 's response was that was the response generated when the application was ran. I asked what was the credit score range. He refused to tell me and further stated it was propitiatory information and that the company did not have to disclose the reason why I was denied. I also stated how do I know if the company did send me the prequalify solicitation to collect my information and sell it to other companies. He stated they would not do that. I also asked how do I know if my application was not turned down due to my name being ethic and my address in a predominately minority zip code. He stated that was illegal. Despite his denial of any illegal wrongdoing, I very concerned about the reasons behind my denial since my credit score is an acceptable score for lending. I have reason to believe unfair  practices were used to disqualify my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2019-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
This is an on-going issue that's been going on since XX/XX/2018, under Certified Mail # XXXX when the respondent received my complaint ( Exhibit A " Letter to Update Information XXXX ( Official ) '' ). Experian has ignored my request and continues to leave variations of my name and old addresses that I've asked them to remove ( Complaint because of past legal problems I've experienced with old addresses. They continue to report that information even though legally, they have a responsibility to remove what I ask them to. The report belongs to me so I get to dictate how I want all my personal information is reported! They are openly violating Fair Debt Collection Practices Act 807 ( 8 ) and Fair Credit Reporting Act 623 ( a ) ( 3 ). Attached is their most recent credit report still showing the variations of my name and old addresses showing.

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 2019-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was an authorized user on my fianc 's credit card for almost a year but I decided to have him call this credit card company to remove me from the account. When I was initially authorized and received my card in the mail, I was not able to activate the card. No reason was given from 1st day it was opened and remained that way after several failed attempts of trying to activate card. A month and a half later, XXXX XXXX XXXX called me about collecting debts from 2013. I asked them if that had anything to do with the Capital One Card I was an authorized user on and they said he. I called Capital One again in XXXX but the made Cardholder speak on my behalf. He explained what happened, they said there was nothing they could do and removed me from his account and updated my credit report as of closed the account with his balance. I have received calls from this XXXX number who asks for my fianc after stating she's on a recorded line. I asked where she was calling from so he could call back after his shower. The call happened tonight at XXXX. They would call his phone 1-5 day and respond in one of two ways- " We are calling because your payment is past due and if you need us to help you with payments, stay on the line ( on hold for 20 seconds or so and they end call. Capital one is harassing me and I never even had the opportunity to use the card! So why are they doing this after ive asked them to stop multiple times. This is 3rd call this week but this specific call was the time we spend unwinding after dinner. I would like to pursue the next step after this has been documented and is found to be in violation of my rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 2017-12-28
Company: TD BANK US HOLDING COMPANY
State: AR
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:
Someone illegally tried to apply at XXXX for a credit in my name with an address of XXXX XXXX XXXX XXXX XXXX ar XXXX. My correct address last XXXX years is XXXX XXXX XXXX XXXX ar XXXX. The XXXX credit card was refused for low credit score but ALSO for using a false address. I did not apply for the XXXX card. Please remove the XXXX XXXX XXXX XXXX XXXX ar XXXX address from my record please. The correct one is XXXX XXXX XXXX XXXX ar XXXX. The one before that was XXXX XXXX XXXX XXXX ar XXXX. My phone number is XXXX XXXX XXXX. Id appreciate it very much correctly correcting the false address put on my credit report. Thank you for your attention to this matter.XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX maiden moms name XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2021-01-01
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: Investigation took more than 30 days

Complaint:
I filed a complaint against Experian in XX/XX/2020 and they did not respond to let me know they deleted the fraudulent collection accounts. It has been more than 30 days and I need these last 2 items removed, XXXX and XXXX has complied already. I am filing a second complaint again experian because they have taken more than 30 days again. Today is now XX/XX/2020 and I just had my daughter but I am under a severe amount of stress because Experian is not following my rights as a consumer again. Please help me!

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 2023-07-26
Company: EQUIFAX, INC.
State: IL
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.C. 1681 S-2 Responsibility of Furnishers ( D ) if the investigation finds that information is incomplete or inaccurate report those results to all other consumer agencies to which the person furnished the information and that compile and maintain files on consumer on a nationwide basis.. 

I Feel my FCRA rights are being violated because the accounts listed below was reporting to all three credit bureaus now they deleted off different credit reporting agencies in not all but not all Violations of my Consumer Rights XXXX XXXX. XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) # XXXX XXXX XXXX ( XX/XX/19 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MO
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:
Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You can not continue to violate my consumer rights! 

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Navient Solutions, LLC.
State: UT
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 been trying to pay down my student loan debt however, I believe my payments are being misapplied and more interest and fees are being charged than should be. Last year, I paid an extra {$16000.00} on top of my regular monthly payment, however my XXXX from Navient stated that I paid {$17000.00} in interest for the year, which is a {$3300.00} increase over the previous year of {$14000.00}. When I inquired about the difference, I was told that I paid {$13000.00} in accrued interest, {$3100.00} in capitalized interest, and {$900.00} in origination fees. If I paid that much extra, I do not understand why/how I paid any capitalized interest? Navient claims that all payments go to pay interest first. I do not believe that an EXTRA {$16000.00} didn't pay the outstanding interest. I also do not understand why there is any origination fees. Origination fees are charged at the beginning of a loan to cover the cost to process the loan. Why, 8 years later, am I still being charged an origination fee? The other issue I have is with 2 extra payments I've made recently. I scheduled a payment of {$4000.00} to post on XX/XX/18. I have a confirmation and screenshot from Navient confirming the payment was to be made on XX/XX/18. However, the payment was not posted to my account until XX/XX/18. It was one day later than I requested, but Navient still listed it on their website as being paid on XX/XX/18. The same thing happened on an payment of {$5400.00} that I scheduled for XX/XX/18. The amount did not post until XX/XX/18, but they listed it as being paid XX/XX/18. My monthly payment is automatically deducted from my account, and Navient doesn't seem to have a problem posting it on the correct date. I realize this is one day 's interest, however with how this company has dealt with my account, one day 's interest means a lot. I'm sure this has occurred on previous extra payments as well, but I just caught on to this issue. I am trying to be responsible and pay off my debt, but I feel that Navient is making it impossible and punishing me for doing so at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
I am writing to formally dispute inaccurate information on my credit report provided by Credit Acceptance and reported to XXXX and XXXX. The discrepancy involves the reporting of my first late payment, which Credit Acceptance asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XXXX XXXX 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XXXX XXXX XXXX XXXX XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided.

Furthermore, I assert that Credit Acceptance has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and XXXX. 
* A comprehensive and diligent investigation into Credit Acceptance 's reporting practices to ensure compliance with the FCRA. 
* Assurance that Credit Acceptance rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, 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 2019-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I constantly receive calls and messages from a company called Portfolio Recovery claiming that I owe someone Called XXXX. I have told them repeated times over the course of a decade that I have no idea who they are and have never had an account with XXXX. They have been harassing me for years and it is way past time for the harassment to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: SC
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:
***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1 ). XX/XX/2019 : Equifax lifted ( at my request ) fraud alert on Equifax credit file.

2 ). XX/XX/2019 : Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

3 ). XX/XX/2019: Without my authorization or knowledge, Equifax contacted XXXX to add an Extended Fraud Alert even though we were trying to have it lifted at Equifax.

4 ).XX/XX/2019 : Received letter from XXXX confirming point # 2, above.

5 ). XX/XX/2019: Confirmed by voice call, XXXX had also received an unauthorized request to add an Extended Fraud Alert.

6 ). XX/XX/2019. Several calls placed to Equifax trying to understand why they placed two unauthorized requests to XXXX and XXXX   for an Extended Fraud Alert after confirming it was removed by Equifax.

7 ). Equifax actions have damaged my credit score by causing an immediate drop of ten ( 10 ) points from XX/XX/XXXXto now.

8 ). Equifax actions have twice prevented our bank 's raising our credit allowance and continue to do so.

9 ). Equifax 's actions have prevented me from creating a Social Security account at ssa.gov.

10 ). Equifax 's telephone support management/supervisor ( not staff ) has refused to speak with my husband ( authorized ) while I was on the phone ( 3-way ), even though he was the only one with the necessary details and understanding to speak about the unauthorized communications to XXXX  and XXXX.

11 ). Equifax has made no effort to assist nor shown any interest in taking a complaint from me regarding this incident -- or otherwise resolving the unauthorized transmittal/communication regarding my Extended Fraud Alert to ensure that no further communications interfere with the conduction of private commercial account activities.

Company response to consumer: Closed with explanation