BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had my school loan, taken through XXXX College, XXXX, NY, in XXXX. I had paid on the loan for many years. I was told through my employer with the XXXX XXXX XXXX XXXX XXXX that I could apply for the Public Service Loan Forgiveness Program OMB No. XXXX. The form was completed XX/XX/XXXX, and later was sent a letter that I was denied for the loan forgiveness program. 

I currently work as an XXXX XXXX Office ( XXXX ), and I qualified for the loan forgiveness under Public Health. I work in the IXXXX XXXX, in XXXX, NY  XXXX the XXXX XXXX XXXX XXXX in the U.S. 

I have met the qualifications with payments made to Sallie Mae/ then transferred to Navient, as well as the Public Health status ( under Section 6 ). 

If you can please follow-up, on the specific reason why I did not qualify, I would appreciate. I have read that there are actions being taken against the servicer Sallie Mae, and would like a written reason for the denial and how the process is done, and what qualifications meet the criteria, as I believe mine does. I have been employed with the XXXX XXXX since XXXX, and with the XXXX XXXX, since XXXX. 

Once denied I took a personal loan, which I am still paying now, which gave me a lower interest rate. As I was told by the service that my payments in XXXX, would have been {$900.00} a month, which I would not be able to afford. 
Thank you for your time and assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX  XXXX XXXX   XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX  XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MN
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. 



XXXX XXXX XXXX. XXXX. 
XXXX XXXX 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 furish 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AZ
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:
I am aware that Experian has been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using information that is available to everyone on the internet. They did not process my letters, and are violating 15 U.S. Code 5 1681i. Keep in mind, they are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you or they receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says I need to provide a Power of Attorney in order to delay processing letters from a consumer. If they do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will be ready to take legal actions myself or contact my lawyer to take legal action or in this case report they blatant disregard to the CFPB.

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 2023-11-11
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:
Last month I noticed XXXX XXXX XXXX has placed a account in collections on my credit report. I have never authorized a account to be opened or initiated with XXXX XXXX. XXXX XXXX has failed to verify the authenticity of this account. I also reported the inaccurate reporting to XXXX by mail and phone and website. They have failed to verify the inaccurate information or remove from my credit 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple inquiries on my report I do not recognize

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 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
I am being blocked from making a payment online, because one time years ago I accidentally made a payment from an old closed checking account. After I saw the payment was returned, I paid the amount due plus fees. I emailed on XX/XX/XXXX to a XXXX XXXX. I also called on XX/XX/XXXX. I should not be forced to call to make a payment.

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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this Complaint as a follow up to my previous CFPB Complaint requesting the correction of some of the disputed accounts reporting erroneous information on my Credit File. Under the provisions of the Fair Credit Reporting Act, I am entitled to request an investigation on XXXX XXXX XXXX at no cost and have you correct ant inaccurate and misleading information on my Credit File. Please correct and or remove the following accounts : XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} XXXX XXXX XXXX Reference # : XXXX. You have been claiming that these accounts are accurate and yet you have been sending me no documents to support such claims. Without such important documents, I expect that these accounts be immediately fixed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Account permanently disabled without explanation. Contacting the company results in an apology letter for the service cancellation without offering any steps to rectify and without giving any clear explanation on what terms may have been broken. This account is also linked to a credit card and debit card. I have concerns this may affect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
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:
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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
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 went to get a vehicle and they said they would pull from the company itself now i have several inquiries and from other im not aware of who inquired i would like to resolve this issue by removing the inquiries.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: NV
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:
one XXXX  account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you

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 2023-06-08
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I contacted Experian about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. 

Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. 

Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. 

I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description of the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken

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 2018-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. 

I had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. 

The company had over 45 days to show proof of their verification process and I have not heard back from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Resurgent Cap Services on XX/XX/2023 via Certified Mail to dispute the amount they claim I owe as well as asking for verification of debt because I believe it to be wrong. I was not given the information I requested within the required time frame to validate the debt. 
Again, I believe the amount they claim to be wrong and after explaining and disputing for this reason they continued to contact me by phone to collect the debt as well as sending me additional bills in different company names such as, XXXX XXXX XXXX XXXX. I have copies of verification of debt request, debt validation letter, as well as copies of certified mail receipts. I also have copies of the bills I was sent in different names and copies of calls that were made to my phone after I had disputed and requested proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Fraudulent charges appeared on my direct Express card on XX/XX/2021. The next day I discovered the charges and tried to report them as fraudulent. I was told my only recourse was to wait for the charges to clear and then dispute them ... 7 to 10 days later. I called another option in the automated system for stolen card and reported the fraudulent charges. One charge was immediately removed, but I was told the other charges, for approximately 42 times more money, would have to be disputed after they cleared because they were only a service card, not a bank card company. Yet the one charge was removed and they canceled the card because it was compromised. Now I can't even access the system until the new card arrives and I activate it ... another delay of indeterminate length.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Direct deposit from federal government is still unavailable meanwhile Wells Fargo and XXXX are collecting interest and playing the blame game.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: ME
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:
Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 
( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

Account Name : XXXX XXXXXXXX Account number:XXXX  Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX XXXX Account number:XXXX Inaccuracy Report Date : XXXX Charge off/collection. 

Account Name : XXXX  XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment Account Name : XXXX Account number:XXXX Inaccuracy Report Date : XXXX Late Payment/ Charge off. 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se

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 2021-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  sent me a letter dated XX/XX/2021 indicating they sold an alleged debt to Portfolio Recovery Associates, LLC. I did not give XXXX XXXX  permission to sell my personal information to any natural person, individual or corporation. XXXX XXXX  is committing identity theft by selling my personal information without my consent. The alleged debt is disputed. I do not have a relationship or contract with Portfolio Recovery Associates, LLC.

Company response to consumer: Closed with non-monetary relief