BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am XXXX XXXX with a XXXX XXXX XXXX XXXX called XXXX XXXX by XXXX XXXX XXXX. I have no savings accounts, no real property, and no other assets. Unable to work, I am barely making ends meet. 

I contacted Navient regarding my private student loan and explained my situation. They said I had to continue to make the payments in full. When I was unable to make the payments, Navient began calling me constantly. For months, Navient repeatedly called me every day starting at about XXXX XXXX. Navient called me as many as five times per day, sometimes placing three calls within five minutes of each other. I estimate that Navient called me more than 200 times over a four month period in 2017. D
uring the summer of 2017, I explicitly demanded during a call with a Navient representative that Navient stop contacting me effective immediately. Navient should have stopped contacting me following this conversation. Yet, Navient gave me just one day of reprieve before it resumed its abusive practices.

I have since had to contact an attorney to get Navient to stop its constant and relentless harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
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:
This compliant is about XXXX and Transunion unwillingness to respond or follow suit to prevent a lawsuit. In XX/XX/, I sued XXXX for the removal of 23 identity theft accounts. These same accounts appear on XXXX and Transunion. In XX/XX/, I won my case against XXXX, proving their negligence in reporting these ID theft account after my numerous attempts for years to get them removed. I have also made these same exact attempts with both XXXX and Transunion. The settlement required XXXX pay my attorney fees and a significant penalty for the reporting of these accounts, however most importantly the settlement required the removal of the 23 accounts. I sent a certified letters to both XXXX and Transunion, XX/XX/XXXX  asking for them to follow suit and the removal of these accounts since it has already been proven in a court of law that these accounts are indeed ID theft, but I have received no response from either credit bureau. I am asking that both XXXX  and Transunion, take into consideration the settlement against XXXX  and remove all 23 accounts and associated inquires, or I will be forced to seek legal action against both credit bureaus.

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 2018-03-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Before moving to XXXX, I had faxed several deferment and the agency kept claiming not to receive. Finally after they received my deferment paper, they said she sent me the wrong paperwork. Wanted me to download the new paperwork & fax it to them or they were putting my loan in default. I explained to them that I was stranded on the side of the highway with my granddaughters. I was told that if I didn't redo that paperwork that day, XXXX XXXX, my loan would be defaulted which they did. I asked how can I be blamed for your employees mistake when I called after arriving in XXXX. Was informed that it was too late the defaulted my loans. Messed up my credit and haven't been able to file taxes. This default has caused me much hardship and big businesses are getting way with it. I still have the faxes that I sent proving that I did my paperwork on time, they just didn't give me the right paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/23 I tried to renew the CD but I found out they lied from fixed CD rate 3 % to 2 %. 1 year ago, I opened a fixed CD for 3 % at Chase Bank in XXXX XXXX, they insisted me to open an account, credit card- changing people, move me everywhere to distract/ confuse me for 2 hours. I trusted Chase, top 3 banks in our USA, and believe they gave me everything. ( 60-70 pages ) But when I took out the whole package, the CD paper was not there. On the online banking, it shows 3.68 % on my fixed CD account, but the bank manager told me its current rate. If its 2 %, I dont need to move money out of Wells Fargo ! The whole bank lies to me and rubs me {$2200.00}! Please help me and give me the Justice! I believe they do this to A LOT OF PEOPLE! Please help us/ me and my family! ( the money is for my mom/ brothers in XXXX and my son tuition! ) God Bless You and Your Lovely Family! God Bless our American! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XX/XX/2018 on the XXXX XXXX account number XXXX. ( Please see page 2 from the credit report attached. ) This account was closed in XX/XX/2018 and reports a {$0.00} balance due. This incorrect coding and falsely reporting a late payment on this account is harming my credit score.  Please delete this item from my credit report and/or change the coding error.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a letter from XXXX XXXX after applying for a credit card that stated they couldn't verify my identify. After going to XXXX XXXX in person and producing my Texas Drivers license and my XXXX XXXX XXXX XXXX to a certified banker he stated there was different personal information on the credit report with Experian. I immediately returned home and received a free copy of my credit report from Experian. After reviewing my credit report I found several items had been changed from my previous credit reports with Experian. ( Address, Phone Number, Social Security Number ) Experian is located in State of Texas where they have shown harassment and discrimination of XXXXXX/XX/XXXXAmericans causing them credit issues. This needs to be address immediately. If you check under the screen name XXXX you will see I have had previous issues with Experian. Also I have saved my credit reports and it shows my information being correct and now I have a wrong social security number at 64 years of age. THIS NEEDS TO BE INVESTIGATRED BY THE GOVRNMENT TO STOP THISXX/XX/XXXX IN XXXX TEXAS.

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 2023-11-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX I received my monthly statement and noticed they reduced my credit limit from XXXX to XXXX. I am currently in a special free interest until XXXX. My balance is XXXX. I called to ask why and what triggered this because I have never been late with a payment they stated it part of the terms. O have had this card since XXXX  and never had this happen but I was never in a free interest program for a purchase either. I checked my credit and no inquiry was done by the company so it appears they reduced the limit so if I don't pay it by the end of the special program they can then charge me over the limit fee.

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 2019-06-18
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I started the process of two money transfer from XXXX for TransferWise.com on XX/XX/2019, transaction numbers # XXXX of U {$1200.00} that was canceled, what a waste of time dealing with TransferWise and, # XXXX of U {$1200.00}, they send me emails to confirm that received at same day and the money should be in my XXXX XXXX XXXX account on XX/XX/2019. Now they tell me that was made the deposit and the problem is with XXXX  XXXX XXXX. I know XXXX XXXX XXXX for at least 18 years and everything works on properly time. Until today, XX/XX/XXXX XXXX XXXX  no money was credited!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NY
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:
In late XX/XX/2022, I discovered that a charge-off account had been added without any prior communication from Equifax, XXXX in considerable damage to my credit history. 

Despite numerous attempts to rectify the matter, Equifax has persistently refused to remove a charge-off account from my credit report, causing substantial damage to my creditworthiness. I have submitted disputes, requesting verification documents for the account, but Equifax has not taken the necessary actions to correct this reporting inaccuracy. I am at a loss as to why Equifax continues to ignore my pleas for resolution. 

I have provided supporting documents to highlight the inaccuracies in the reported information. And Despite multiple attempts to resolve this matter directly with Equifax, the issue remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention in investigating this dispute and ensuring that Equifax adheres to the Fair Credit Reporting Act. I believe that a fair and accurate representation of my credit history is essential, and I trust that your involvement will facilitate a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, I've called TransUnion and all creditors about the following fraudulent unauthorized hard inquiries and negative accounts that are reporting on my credit report. Nothing has been done about it and I did inform both companies that I would be filing a complaint, XXXX 1. Creditor : XXXX  XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 3. Creditor XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, Creditor XXXX inquiry date XX/XX/XXXX 5. Creditor XXXX inquiry date XX/XX/XXXX 6. Creditor XXXX XXXX inquiry date XX/XX/XXXX 7. Creditor XXXX XXXX Inquiry date XX/XX/XXXX 8. Creditor XXXX credit inquiry date XX/XX/XXXX 9. Creditor XXXX XXXX inquiry date XXXX 10. Creditor XXXX inquiry date XX/XX/XXXX 11. Creditor XXXX Inquiry date XX/XX/XXXX 12. Creditor XXXX inquiry date XX/XX/XXXX 13. Creditor XXXX credit inquiry date XX/XX/XXXX 14. Creditor XXXX inquiry date XX/XX/XXXX 15. Creditor XXXX inquiry date XX/XX/XXXX 16. Creditor XXXX inquiry date XX/XX/XXXX 17. Creditor XXXX inquiry date XX/XX/XXXX 18. CreditoXXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX listed below are unauthorize fraudglent accounts that were opened in my name. 

1. Creditor XXXXXXXX XXXX XXXX  balance {$4800.00} 2. Creditor XXXX balance {$2200.00} 3. Creditor XXXX balance {$58.00} 4. CreditoXXXX XXXX Balance {$18.00}

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 2023-10-17
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Equifax is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Equifax credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Equifax is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Equifax for their predatory practices that need to be stopped immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), states that the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility except the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: MA
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:
This account does not belong to me. A similar account was removed recently from my credit report which seems to reappear again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: GOLDMAN SACHS BANK USA
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, on XX/XX/2020 I placed an order with my Apple Card on XXXX XXXX. The tracking showed it was delivered. I waited a few days, checked my whole building, spoke to my security before contacting the merchant, I waited a few days, received no response. Thats when I decided to dispute the charge with Apple. They keep putting the charge back on my account because theyre saying the merchant provided evidence that it was delivered. However I did not receive my item. How can I show proof that I never got my stuff? Apple said they cant help me until I submit a complaint with you guys. Please help me, I am not willing to pay that money for an item I have not received in almost 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Bread Financial Holdings, Inc.
State: DE
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:
On Friday XX/XX/XXXX I received a notification from my credit monitoring service that the company, XXXX XXXX, closed my account. I had opened it and was approved on XX/XX/XXXX, however less than 2 weeks later with no notice from the company they closed the account. 

I used the account 1X for a small purchase to ensure that the account was activated. 

I contacted the company on XX/XX/XXXX and they advised they sent me a letter, that I have not received and closed the account because of too many inquiries. But this information was provided only when I called and spoke with a less than empathetic representative. 

I this is is an unfair and deceptive practice that would have caused me embarrassment since I was planning on using the card to purchase an XXXX computer for my niece.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation