BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/2016, my already stressed and impressionable XXXX year old daughter received a high pressure sales call from XXXX University. They quickly brainwashed her and convinced her this was the best option for her to receive a college education. We as her parents were then high pressured into signing loan documents for a loan that is now upwards of $ 17K. My daughter only went to XXXX online university for 1 year. She has since transferred to a local XXXX  college. The tuition I have paid for 2 years there does not begin to equal the balance of this Parent PLUS Loan. I feel my daughter as well as my husband and I were pressured into this loan with really not education from anyone on what the true costs of the loan really are when all is said and done. The loan is deferred right now until next year. I will need to try and defer again as my daughter nor myself have the money to repay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
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 recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXXXXXX Balance Owed : {$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 explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 non-monetary relief
Consumer complaint received 2021-07-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
FIFTH THIRD BANK CLOSED MY ACCOUNT THAT I OPENED BACK ON XXXX XXXX 2017 I DO NOT HAVE THE SPECIFIC DATE ON WHEN IT WAS CLOSED. BUT IT WAS CLOSED DUE TO SOMEONE LOGGING INTO MY ACCOUNT DUE TO A SCAM. NOT SURE WHY THEY CLOSED MY ACCOUNT WHEN THEY COULD HAVE JUST CHANGED MY PASSWORD. 

BUT THIS HAS CAUSED MY ACCOUNT TO BE DELINQUENT AND HAVE A NEGATIVE EFFECT ON MY CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: OH
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 been going over my credit report I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: NJ
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX... Balance : {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSWORLD SYSTEMS INC
State: IA
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:
My XXXX XXXX XXXX student loan was set to come out of forebearance and begin repayment on XX/XX/XXXX. The current servicer of this loan is University Accounting Services ( UAS ). I made my first call to UAS on XXXX, since I noticed on the first bill they sent me the first payment was for the full amount of interest in the amount of {$1200.00}. I asked them to add that on to my principal balance because I could not afford that kind of payment all at once. The team lead I spoke with assured me that they had to look into this but would get back to me within one week. On XX/XX/XXXX, I wrote them an e-mail to follow up since I had heard nothing, again the response was we are still working on it. I have since heard nothing despite contacting them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They claim that XXXX XXXX XXXX the original creditor has to make this decision and has not gotten back to them, they both have literally had almost 5 months to respond to my request. My concern is they are reporting this to the credit bureaus as late or past due or not paying as agreed, which will then negatively affect my credit scores. I am fine payinig what I owe within a reasonable monthly payment, but I can not afford to make a {$1200.00} payment all at once. We are in the middle of a pandemic and inflation is quite crazy for basic things like rent, food and gas. This is poor service from both XXXX XXXX XXXX and University Accounting Services. I need a resolution ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: OH
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 completely disagree with the total of eligible payments made listed on my account w MOHELA. I understand XXXX ( which I am enrolled ) require XXXX payments for forgiveness. 
According to my own records, and an email from MOHELA my payments began in XX/XX/XXXX, and no month was ever skipped even during XXXX. 
Date Loan servicer Total payments XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fed loans XXXX XXXX ( Current ) MOHELA XXXX TOTAL TO DATE XXXX MOHELA XXXX XXXX XXXX XXXX XXXX This is a problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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:
I am submitting a formal complaint against XXXX XXXX for illegally sharing my transaction history with Experian on XX/XX/XXXX. Subsequently, Experian shared the same information with XXXX. These actions represent a blatant violation of 15 USC 1681a ( 2 ) ( 1 ), which is a provision of the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. This unauthorized sharing of my sensitive financial information not only violates the FCRA but also compromises my privacy and security. Furthermore, Experian, as a consumer reporting agency, is also accountable for their role in this violation. By receiving and sharing my transaction history without proper authorization, they have breached their obligations under the FCRA and have infringed upon my privacy rights as guaranteed by the Privacy Act of 1974. To support my complaint, I have attached a copy of the letter I sent to XXXX XXXX detailing the violations and demanding rectification. Additionally, I have included proof of my information being shared with XXXX, a third-party website, without my consent or knowledge.

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 2023-05-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account # XXXX and amount of {$690.00}, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA 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 2021-06-04
Company: CITIBANK, N.A.
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
For my Care Credit Rewards Mastercard my XXXX statement showed a balance of {$600.00}. 
I had an interest deferred amount of {$360.00} - expiring on XX/XX/ I also had 2 standard purchase transactions totaling {$240.00}. 

I sent payment of {$300.00} of which {$240.00} would cover my standard purchases and {$60.00} would go toward my interest deferred amount of {$360.00}. ( I then planned on paying off the balance of the interest deferred amount ( {$300.00} ) before the due date of XX/XX/XXXX ) However, the company instead moved one of my standard purchases under " promotional '' and did not use the money to pay it off and then put an extra amount towards my interest deferred account and then charged me an interest charge of {$8.00}. 

I have had multiple interest deferred transactions in the past and have never had an issue with the money being allocated properly. Every statement I total my current standard purchases and pay those in full, and then I put what I can toward an interest deferred amount until I can pay it off in full before the promotion expires. 

I am not sure what happened this time. However I do not feel that I should pay the interest charge of {$8.00}. I tried numerous times to contact the company to resolve and have not been able to.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2022-05-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX card in 2021 and used in store. Last purchase was in XXXX of 2021 of XXXX USD but was paid XXXX days late. Since then i.e. XXXX of 2021 late fee upon late fees have been assessed to this card. I closed the card as well, but late fees continued to occur consequently. So far, XXXX USD of late fees have been charged to this closed card. The responsible bank is Comenity bank. At some point, XXXX started issuing aggressive phone call and text messages starting at XXXX am and continuing until late at night. The phone calls and texts were so frequent that I would receive 10 - 15 phone calls and txt a day. I have tried to call Comenity and resolve the issue by myself, with no success. I have found out Commenity is related with XXXX XXXX and XXXX XXXX  credit cards as well- I have purchased with these stores and as soon as I have found out the credit card company related with these stores is managed by Comenity I have paid in full and closed those cards. I don't know how I could resolve this issue when I owe nothing to XXXX and don't want to support predatory and unfair crediting practices as these. Could you please help and assist? Thank you in advance,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive been a victim of identity theft been reporting to Experian, XXXX and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it on my report

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not consent or authorized nor thing I again anything from these accounts. These accounts are not my accounts.

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 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
1. XX/XX/30 : {$1000.00} was charged as a pending payment. This transaction was done online. Merchant was XXXX XXXX XXXX. It didn't specify the exact branch. I wasn't able to reach out to the merchant due to lacking info. While this happened, I was at home. 
2. I recognized this transaction 51 minutes later and immediately reported it to BOA. 
3. They issued a new card and canceled the old one. I was told BOA is going to investigate and give me answers within 2 biling cycles. I requested to cancel the pending payment but was told it's impossible.

4. XXXX : Payment was authorized as {$560.00}. 
Provided specific info of the merchant. It was XXXX XXXX XXXX XXXX The address is XXXX XXXX XXXX XXXX, XXXX, DC XXXX. 
5. XXXX : Claim status on BOA website has changed to 'Resolved '. I was told this transaction was done by 'reliable customer '. 
In other words, I am responsible for this. The agent told me that I can request re-investigation on the following day. 
6. Reached out to the merchant and verified that they always require a card which a customer used to make a reservation online and valid ID that matches the name of the card holder to check in. Also, as the transaction was authorized, that indicates someone already checked in and out. 

If it's needed, I absolutely can do my best to provide any proof to prove that I was not in this accomodation place on this specific period. 

I have no idea how this transaction was authorized without appropriate verification and permission from myself.

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 2021-08-31
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was owed by my son for a check from their bank account written on his and his ex wife 's XXXX account. XXXX has confirmed it is not me, but collector is still trying to collect and damaging my credit with a collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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